264 N Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 264 N Main St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,080 sqft · built 1871
Lot Size	0.14 acres (5,977 sqft)
Owner	Individual Name on Record
Tax Bill	$2,026 (2024)
Deeds & Mortgages	Jun 2017 Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-24-450-004-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-450-004-000`
Alternative APN	`07241940200400 00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,080 sqft Living Area
1st Floor Area	1,080 sqft
Basement Area	1,080 sqft
Unfinished Basement	1,080 sqft

Exterior

Year Built	Built 1871
Effective Year Built	Effective 1871
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	5,977 sqft (0.14 acres)
Lot Dimensions	156 ft deep x 45 ft wide
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Patio Area	180 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	264 N MAIN ST
City	WATERLOO
State	IL
Zip	62298-1250
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOTS 22B & 24B PETERSTOWN 0215720
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Lot Number	22B
Jurisdiction	MONROE IL
Township / Civil Division	31
Census Block Group	1
Census Block	1036
Census Tract	600401

Owner

Source: Monroe County records, as of July 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	264 N MAIN ST, WATERLOO, IL 62298-1250
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
Jun 2, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	264 N MAIN ST, WATERLOO, IL 62298-1250
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000390318
Date	Jun 12, 2017
Instrument	390318

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	264 N MAIN ST, WATERLOO, IL 62298-1250
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000390175
Date	Jun 2, 2017
Instrument	390175

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2032

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

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		$52,520 (+96.93%) Land $15,860 Building $36,660	$157,560 (+96.93%) Land $47,580 Building $109,980
2024	$2,026.00
2022	Additional exemption filed	$26,670 Land $7,070 Building $19,600	$80,010 Land $21,210 Building $58,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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