267 N Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 267 N Main St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,232 sqft · built 1890
Lot Size	0.37 acres (16,031 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Mar 2022)
Tax Bill	$3,383 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Feb 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`07-24-449-037-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-449-037-000`
Alternative APN	`07241940104100 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Construction Type	Frame
Foundation Type	Raised
Lot Area	16,031 sqft (0.37 acres)
Lot Dimensions	195 ft deep x 74 ft wide
Garage Area	1,380 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	90 sqft
Deck Area	400 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	267 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	LOT 8 PETERSTOWN
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Subdivision	PETERSTOWN
Legal Lot Number	8
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	Individual Name on Record
Mailing Address	267 N MAIN ST, WATERLOO, IL 62298-1245
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2022	Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH MORTGAGE INC
Feb 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage HUD
Sep 3, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jan 9, 2020	Loan Modification, Mortgage · FHA Mortgage SHELLPOINT MTG SVCNG
Jan 9, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Jan 17, 2017	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2022 · Amount on Record
Deed Sale	Mar 31, 2022 · Amount on Record
Deed Document Number	2022423537
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Mar 31, 2022
Property Address	267 N MAIN ST, WATERLOO, IL 62298-1245
Document Number	0000423537
Map Reference	MB A PG 2
Instrument Date	Mar 31, 2022
Instrument	423537
Transaction Type	Transfer
Record Updated	Apr 20, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	44555 STATE HIGHWAY 51, 44555, PATTON, MO 63662-7441

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	267 N MAIN ST, WATERLOO, IL 62298-1245

Mortgage

Document Number	0000423538
Date	Mar 31, 2022
Instrument	423538

Lender

Name	FLAT BRANCH MORTGAGE INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate	4.5%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	267 N MAIN ST, WATERLOO, IL 62298-1245
Transaction Type	Mortgage
Record Updated	Mar 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000422694
Date	Feb 16, 2022
Instrument	422694

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	267 N MAIN ST, WATERLOO, IL 62298-1245
Document Number	0000411155
Instrument Date	Sep 3, 2020
Transaction Type	Mortgage
Record Updated	Oct 8, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	267 N MAIN ST WATERLOO IL 622981245, WATERLOO, IL 62298-1245

Mortgage

Document Number	0000411155
Date	Sep 22, 2020
Instrument	411155

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 21, 2050

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE IL
Property Address	267 N MAIN ST, WATERLOO, IL 62298-1245
Document Number	0000405959
Instrument Date	Jan 9, 2020
Transaction Type	Mortgage
Record Updated	Feb 13, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	267 N MAIN ST WATERLOO IL 622981245, WATERLOO, IL 62298-1245

Mortgage

Document Number	0000405959
Date	Jan 31, 2020
Instrument	405959

Lender

Name	SHELLPOINT MTG SVCNG
Address	GREENVILLE, SC 29601

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 30, 2050

Interest

Rate	3.75%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	267 N MAIN ST, WATERLOO, IL 62298-1245
Document Number	0000406784
Instrument Date	Jan 9, 2020
Transaction Type	Mortgage
Record Updated	Apr 22, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	267 N MAIN ST WATERLOO IL 622981245, WATERLOO, IL 62298-1245

Mortgage

Document Number	0000406784
Date	Mar 18, 2020
Instrument	406784

Lender

Name	HUD-HOUSING/URBAN DEV
Address	55 BEATTIE PL # 110, GREENVILLE, SC 29601-5115

Agreement

Type	FHA Mortgage

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jan 17, 2017
Property Address	267 N MAIN ST, WATERLOO, IL 62298-1245
Document Number	0000387858
Instrument Date	Jan 13, 2017
Instrument	387858
Transaction Type	Transfer
Record Updated	Feb 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$191.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	267 N MAIN ST WATERLOO IL 622981245, WATERLOO, IL 62298-1245

Mortgage

Document Number	387859
Date	Jan 17, 2017
Instrument	387859

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 16, 2047

Interest

Rate Type	Fixed Rate
Rate	4.62%

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	$3,383.00 (+6.58%) Homeowner's exemption	$61,210 (+15.84%) Land $17,420 Building $43,790	$183,630 (+15.84%) Land $52,260 Building $131,370
2024	$3,174.00
2022	Additional exemption filed	$52,840 Land $15,760 Building $37,080	$158,520 Land $47,280 Building $111,240

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.

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	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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