320 S Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 320 S Main St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,365 sqft · built 1880
Lot Size	0.21 acres (9,288 sqft)
Owner	Individual Name on Record
Last Sale	$18,000 (Jan 2024)
Tax Bill	$3,755 (2024)
Deeds & Mortgages	Dec 2025 Line of Credit Jan 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-284-006-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-284-006-000`
Alternative APN	`07251220300600 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,365 sqft Building Perimeter
1st Floor Area	990 sqft
Upper Floors Area	375 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	9,288 sqft (0.21 acres)
Lot Dimensions	155 ft deep x 60 ft wide
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	234 sqft
Patio Area	78 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	320 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 5 FERD CAWIS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	FERD CAWIS ADD
Legal Lot Number	5
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 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	320 S MAIN ST, WATERLOO, IL 62298-1326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2025	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jan 17, 2024	Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 20, 2019	Grant Deed, Transfer ACCENT TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2024 · Amount on Record
Deed Sale	Jan 17, 2024 · Amount on Record
Prior Sale	Jun 20, 2019 · Amount on Record
Deed Document Number	2024431789
Prior Transfer Date	Jan 16, 2024
Prior Transfer Doc	0000431789
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	320 S MAIN ST, WATERLOO, IL 62298-1326
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000440708
Date	Dec 30, 2025
Instrument	440708

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	132 Months
Due	Jan 2, 2036

Interest

Rate Type	Fixed Rate
Rate	7%

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Jan 17, 2024
Property Address	320 S MAIN ST, WATERLOO, IL 62298-1326
Document Number	0000431789
Map Reference	MB A PG 13
Instrument Date	Jan 12, 2024
Instrument	431789
Transaction Type	Transfer
Record Updated	Jan 31, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$27.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3857 HH RD, WATERLOO, IL 62298-2243

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 S MAIN ST, WATERLOO, IL 62298-1326

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	Jun 20, 2019
Property Address	320 S MAIN ST, WATERLOO, IL 62298-1326
Document Number	0000402062
Instrument Date	Jun 18, 2019
Instrument	402062
Transaction Type	Transfer
Record Updated	Jun 28, 2019
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Tax	$72.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3857 HH RD WATERLOO IL 622982243, WATERLOO, IL 62298-2243

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		$65,430 (+308.94%) Land $16,340 Building $49,090	$196,290 (+308.94%) Land $49,020 Building $147,270
2024	$3,755.00
2022		$16,000 Land $11,530 Building $4,470	$48,000 Land $34,590 Building $13,410

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 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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