257 N Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 257 N Main St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 800 sqft · built 1889
Lot Size	0.28 acres (12,194 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Jun 2024)
Tax Bill	$2,793 (2025)
Deeds & Mortgages	May 2022 Mortgage Apr 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-24-449-041-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-449-041-000`
Alternative APN	`07241940103700 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	800 sqft Living Area
1st Floor Area	800 sqft

Exterior

Year Built	Built 1889
Effective Year Built	Effective 1889
Construction Type	Frame
Foundation Type	Raised
Lot Area	12,194 sqft (0.28 acres)
Lot Dimensions	195 ft deep x 60 ft wide

Exterior Amenities

Porch	Slab
Porch Area	66 sqft
Patio Area	200 sqft
Shed	1 Shed
Shed Area	492 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	257 N MAIN ST
City	WATERLOO
State	IL
Zip	62298-1245
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOTS 12 & 13 PETERSTOWN
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Subdivision	PETERSTOWN
Legal Lot Number	12-13
Jurisdiction	MONROE IL
Township / Civil Division	31
Census Block Group	3
Census Block	3004
Census Tract	600401

Owner

Source: Monroe County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	257 N MAIN ST, WATERLOO, IL 62298-1245
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2022	Deed of Trust, Mortgage · Commercial Mortgage MIDLAND STATES BANK
Apr 18, 2022	Warranty Deed, Transfer
Jul 13, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2024 · Amount on Record
Deed Sale	Jun 5, 2024 · Amount on Record
Prior Sale	Apr 18, 2022 · Amount on Record
Deed Document Number	2024433371
Prior Transfer Date	May 25, 2021
Prior Transfer Doc	0000418418
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	257 N MAIN ST, WATERLOO, IL 62298-1245
Transaction Type	Mortgage
Record Updated	Jun 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000424452
Date	May 26, 2022
Instrument	424452

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 24, 2027

Interest

Rate Type	Fixed Rate

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Apr 18, 2022
Property Address	257 N MAIN ST, WATERLOO, IL 62298-1245
Document Number	0000423868
Map Reference	MB A PG 2
Instrument Date	Apr 15, 2022
Instrument	423868
Transaction Type	Transfer
Record Updated	May 4, 2022

Transaction

Amount	Amount Recorded
Tax	$120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 RIVER BLUFF PL, 1, SAINT LOUIS, MO 63111-1332

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4905 RED OAK DR, WATERLOO, IL 62298-3070

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Jul 13, 2021
Property Address	257 N MAIN ST, WATERLOO, IL 62298-1245
Document Number	0000418418
Instrument Date	May 25, 2021
Instrument	418418
Transaction Type	Transfer
Record Updated	Jul 28, 2021

Transaction

Amount	Amount Recorded
Tax	$37.50
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 RIVER BLUFF PL, SAINT LOUIS, MO 63111-1332

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Municipality	Waterloo City
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,793.00 (+1.38%) Homeowner's exemption	$51,530 (+133.8%) Land $16,790 Building $34,740	$154,590 (+133.8%) Land $50,370 Building $104,220
2024	$2,755.00
2022		$22,040 Land $15,410 Building $6,630	$66,120 Land $46,230 Building $19,890

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 18, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERLOO serves 10,190 people · EPA ID IL1330300
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	30 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 212 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Harrisonville Telephone Company DSL · Fiber in parts of the area	100 / 20

May also be available: Wisper ISP.

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