259 N Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 259 N Main St, Waterloo, IL 62298 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,260 sqft · built 1866
Lot Size	0.36 acres (15,734 sqft)
Owner	2 Individual Names on File
Last Sale	$138,000 (Nov 2025)
Tax Bill	$3,592 (2024)
Deeds & Mortgages	Nov 2025 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-24-449-040-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-449-040-000`
Alternative APN	`07241940103800 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,260 sqft Building Perimeter
1st Floor Area	1,260 sqft

Exterior

Year Built	Built 1866
Effective Year Built	Effective 1866
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Lot Area	15,734 sqft (0.36 acres)
Lot Dimensions	195 ft deep x 75 ft wide

Exterior Amenities

Porch	Slab
Porch Area	365 sqft
Shed	1 Shed
Shed Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	259 N MAIN ST
City	WATERLOO
State	IL
Zip	62298-1245
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11A PETERSTOWN
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Subdivision	PETERSTOWN
Legal Lot Number	11A
Jurisdiction	MONROE IL
Township / Civil Division	31
Census Block Group	3
Census Block	3004
Census Tract	600401

Owner

Source: Monroe County records · APN 07-24-449-040-000

Assessment roll updated August 29, 2025 · Last verified July 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 File
Mailing Address	500 HIGHLAND ST, NEW ATHENS, IL 62264-1514
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 25, 2025 · Amount on Record
Deed Sale	Nov 25, 2025 · Amount on Record
Prior Sale	Jan 04, 2022 · Amount on Record
Deed Document Number	2025440221
Record Updated	Sep 20, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Nov 25, 2025
Property Address	259 N MAIN ST, WATERLOO, IL 62298-1245
Document Number	0000440221
Map Reference	MB A PG 2
Instrument Date	Nov 21, 2025
Instrument	440221
Transaction Type	Transfer
Record Updated	Dec 10, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$207.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	259 N MAIN ST, WATERLOO, IL 62298-1245

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 HIGHLAND ST, NEW ATHENS, IL 62264-1514

Mortgage

Document Number	0000440222
Date	Nov 25, 2025
Instrument	440222

Lender

Name	CITIZENS COMMUNITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2055

Interest

Rate Type	Fixed Rate
Rate	5.88%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$69,020 (+3.49%) Land $17,360 Building $51,660	$207,060 (+3.49%) Land $52,080 Building $154,980
2024	$3,592.00 (-4.14%) Additional exemption filed	$66,693 (+14.26%) Land $16,898 Building $49,795	$200,079 (+14.26%) Land $50,694 Building $149,385
2022	$3,747.00	$58,370 Land $15,730 Building $42,640	$175,110 Land $47,190 Building $127,920

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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