312 S Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 312 S Main St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,280 sqft · built 1892
Lot Size	0.3 acres (13,047 sqft)
Owner	2 Individuals on Record
Last Sale	$180,000 (Mar 2021)
Tax Bill	$3,395 (2024)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Sep 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-284-004-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-284-004-000`
Alternative APN	`07251220300400 00`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,280 sqft Building Perimeter
1st Floor Area	1,280 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1892
Effective Year Built	Effective 1892
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	13,047 sqft (0.3 acres)
Lot Dimensions	155 ft deep x 84 ft wide
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	390 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	312 S MAIN ST
City	WATERLOO
State	IL
Zip	62298-1326
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 47 OLD TOWN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	WATERLOO
Legal Lot Number	47
Jurisdiction	MONROE IL
Township / Civil Division	33
Census Block Group	1
Census Block	1051
Census Tract	600401

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Waterloo Historic District listed 1978 · 236 contributing resources · NRIS 78001177

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

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

Owner of Record	2 Individuals on Record
Mailing Address	312 S MAIN ST, WATERLOO, IL 62298-1326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2021	Corporation Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Sep 9, 2020	Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK/WATERLOO
Jun 19, 2020	Grant Deed, Transfer COLUMBIA TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2021 · Amount on Record
Deed Sale	Mar 5, 2021 · Amount on Record
Prior Sale	Jun 19, 2020 · Amount on Record
Prior Transfer Date	Mar 4, 2021
Prior Transfer Doc	0000415385
Record Updated	Sep 20, 2026

March 2021: Corporation Deed, Transfer

Document Type	Corporation Deed
Jurisdiction	MONROE IL
Recording Date	Mar 5, 2021
Property Address	312 S MAIN ST, WATERLOO, IL 62298-1326
Document Number	0000415385
Instrument Date	Mar 4, 2021
Instrument	415385
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 S MAIN ST, WATERLOO, IL 62298-1326

Mortgage

Document Number	0000415386
Date	Mar 5, 2021
Instrument	415386

Lender

Name	FIRST NATIONAL BANK WATERLOO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	2.75%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	312 S MAIN ST, WATERLOO, IL 62298-1326
Document Number	0000410967
Instrument Date	Sep 9, 2020
Transaction Type	Mortgage
Record Updated	Sep 30, 2020
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	312 S MAIN ST WATERLOO IL 622981326, WATERLOO, IL 62298-1326

Mortgage

Document Number	0000410967
Date	Sep 14, 2020
Instrument	410967

Lender

Name	FIRST NAT'L BK/WATERLOO
Type	Bank
Address	SMITHTON, IL 62285

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	Jun 19, 2020
Property Address	312 S MAIN ST, WATERLOO, IL 62298-1326
Document Number	0000408819
Instrument Date	Jun 5, 2020
Instrument	408819
Transaction Type	Transfer
Record Updated	Jul 10, 2020
Title Company	COLUMBIA TITLE

Transaction

Amount	Amount Recorded
Tax	$113.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	113 N MAIN ST WATERLOO IL 622981202, WATERLOO, IL 62298-1202

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		$60,000 (-) Land $13,060 Building $46,940	$180,000 (-) Land $39,180 Building $140,820
2024	$3,395.00
2022	Additional exemption filed	$60,000 Land $13,060 Building $46,940	$180,000 Land $39,180 Building $140,820

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	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 475 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	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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