316 S Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 316 S Main St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,056 sqft · built 1889
Lot Size	0.21 acres (9,302 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Dec 2024)
Tax Bill	$3,627 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-284-005-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-284-005-000`
Alternative APN	`07251220300500 00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,056 sqft Building Perimeter
1st Floor Area	1,056 sqft

Exterior

Year Built	Built 1889
Effective Year Built	Effective 1889
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	9,302 sqft (0.21 acres)
Lot Dimensions	155 ft deep x 60 ft wide
Porch	Slab
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	316 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 48 OLD TOWN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	WATERLOO
Legal Lot Number	48
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

316 S Main St is owned and occupied by two individuals who bought it in December 2024.

Source: Monroe County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	316 S MAIN ST, WATERLOO, IL 62298-1326
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage BROKERS SOLUTIONS INC
Jul 18, 2017	Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2024 · Amount on File
Deed Sale	Dec 23, 2024 · Amount on File
Prior Sale	Jul 18, 2017 · Amount on File
Deed Document Number	2024435878
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	316 S MAIN ST, WATERLOO, IL 62298-1326
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BENCHMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000411667
Date	Oct 14, 2020
Instrument	411667

Lender

Name	BROKERS SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2035

Interest

Rate Type	Fixed Rate

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Jul 18, 2017
Property Address	316 S MAIN ST, WATERLOO, IL 62298-1326
Document Number	0000390959
Instrument Date	Jul 16, 2017
Instrument	390959
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$234.75
Amount Accuracy	Calculated from Transfer Tax
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	316 S MAIN ST, WATERLOO, IL 62298-1326

Mortgage

Document Number	0000390960
Date	Jul 18, 2017
Instrument	390960

Lender

Name	BROKER SOLUTIONS INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 316 S Main St was $3,627, up 18.7% from the year before.

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	$3,627.00 (+18.68%)	$59,440 Land $16,340 Building $43,100	$178,320 Land $49,020 Building $129,300
2024	$3,056.00
2022	Additional exemption filed	$50,800 Land $15,130 Building $35,670	$152,400 Land $45,390 Building $107,010

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

FEMA maps place 316 S Main St in Zone X, an area of minimal flood risk.

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

The area around 316 S Main St has no burnable land within ember reach, so its wildfire risk is not rated.

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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