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265 N Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 265 N Main St, Waterloo, IL 62298 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms2 Beds
Bathrooms2 Baths
Year BuiltBuilt 1890
Square Footage1,232 sqft Building Perimeter
Lot Size14,448 sqft (0.33 acres)
OccupancyOwner Occupied
Last Sale$146,000 (2023)
Tax Bill$3,696.00 (2024)

Owner

Source: Monroe County records · APN 07-24-449-038-000

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 Record2 Individual Names on File
Mailing Address265 N MAIN ST, WATERLOO, IL 62298-1245
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Mar 29, 2023Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
DELMAR FINANCIAL CO
May 16, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 29, 2023 · Amount on Record
Deed SaleMar 29, 2023 · Amount on Record
Deed Doc Number2023428435
Record RefreshedSep 20, 2026

March 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE IL
Recording DateMar 29, 2023
Property Address265 N MAIN ST, WATERLOO, IL 62298-1245
Document Number0000428435
Map ReferenceMB A PG 2
Instrument DateMar 28, 2023
Instrument428435
Transaction TypeTransfer
Record UpdatedApr 19, 2023
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$219.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address7369 COVERED BRIDGE DR, WATERLOO, IL 62298-3155

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address265 N MAIN ST, WATERLOO, IL 62298-1245

Mortgage

Document Number0000428436
DateMar 29, 2023
Instrument428436
Lender
NameDELMAR FINANCIAL CO
TypeFunding / Finance Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2053
Interest
Rate TypeFixed Rate
Rate6.38%

Mortgage

Document Number0000428437
DateMar 29, 2023
Instrument428437
Lender
NameHUD
TypeGovernment Agency
Agreement
TypeStand Alone First Mortgage
AmountAmount Recorded
Term60 Months
DueApr 01, 2028

May 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMONROE IL
Recording DateMay 16, 2019
Property Address265 N MAIN ST, WATERLOO, IL 62298-1245
Document Number0000401494
Instrument DateMay 16, 2019
Instrument401494
Transaction TypeTransfer
Record UpdatedJun 11, 2019
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim Document
  • Interfamily Transfer
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address7369 COVERED BRIDGE DR WATERLOO IL 622983155, WATERLOO, IL 62298-3155

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyMonroe County
MunicipalityWaterloo City
Unified School DistrictWaterloo 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.

YearTax BillAssessed ValueAssessed Market Value
2025$70,470 (+2.96%) Land $17,130 Building $53,340$211,410 (+2.96%) Land $51,390 Building $160,020
2024$3,696.00$68,445 (+13.09%) Land $16,686 Building $51,759$205,335 (+13.09%) Land $50,058 Building $155,277
2022$60,520 Land $15,610 Building $44,910$181,560 Land $46,830 Building $134,730

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

Property Details

APN / Parcel Number

Primary APN07-24-449-038-000
Alternative APN
  • 07241940104000 00

Interior

Bedrooms2 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Building Area1,232 sqft Building Perimeter
1st Floor720 sqft 1st Floor
Upper Floors512 sqft Upper Floors
Stories1 Stories

Exterior

Year BuiltBuilt 1890
Effective Year BuiltEffective 1890
Construction TypeFrame Construction
Foundation TypeNo Foundation Foundation
Lot Area14,448 sqft (0.33 acres)
Depth X Width195 ft x 73 ft Depth x Width
DrivewayDriveway Concrete
Driveway Area2,346 sqft Driveway
Parking Spaces3 Parking Spaces
Garage Area864 sqft Garage
Patio Area899 sqft Patio
Porch Area267 sqft Porch

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemCentral Heating

Location & Zoning

Street Address265 N MAIN ST
CityWATERLOO
StateIL
Zip62298-1245
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLOT 9 PETERSTOWN
Legal Range10W
Legal Township02S
Legal Section24
Legal SubdivisionWILLIAM H ROGERS
Legal Lot Number9
JurisdictionMONROE IL
Minor Civil Division31
Census Blockgroup3
Census Block3004
Census Tract600401

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