328 S Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 328 S Main St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 812 sqft · built 1910
Lot Size	0.21 acres (9,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$171,000 (May 2023)
Tax Bill	$2,632 (2025)
Deeds & Mortgages	May 2023 Sale Sep 2018 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-25-284-009-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-284-009-000`
Alternative APN	`07251220300900 00`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	812 sqft Living Area
1st Floor Area	812 sqft
Basement Area	812 sqft
Unfinished Basement	812 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Construction Type	Frame
Lot Area	9,246 sqft (0.21 acres)
Lot Dimensions	155 ft deep x 45 ft wide
Porch	Slab
Porch Area	138 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	328 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 2 & PART LOT 3 FRED CAWIS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	CAWIS ADD
Legal Lot Number	2
Jurisdiction	MONROE IL
Township / Civil Division	33
Census Block Group	1
Census Block	1051
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	2 Individual Names on Record
Mailing Address	PO BOX 270095, SAINT LOUIS, MO 63127-0095
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2023	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Sep 25, 2018	Grant Deed, Transfer · Line of Credit STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2023 · Amount on Record
Deed Sale	May 5, 2023 · Amount on Record
Prior Sale	Sep 25, 2018 · Amount on Record
Deed Document Number	2023428919
Prior Transfer Date	May 4, 2023
Prior Transfer Doc	0000428919
Record Updated	Oct 29, 2026

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	May 5, 2023
Property Address	328 S MAIN ST, WATERLOO, IL 62298-1326
Document Number	0000428919
Map Reference	MB A PG 13
Instrument Date	May 5, 2023
Instrument	428919
Transaction Type	Transfer
Record Updated	May 31, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$256.50
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5800 LRC RD, WATERLOO, IL 62298-6556

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 270095, SAINT LOUIS, MO 63127-0095

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	Sep 25, 2018
Property Address	328 S MAIN ST, WATERLOO, IL 62298-1326
Document Number	0000397969
Instrument Date	Sep 21, 2018
Instrument	397969
Transaction Type	Transfer
Record Updated	Oct 9, 2018
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
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	328 S MAIN ST WATERLOO IL 622981326, WATERLOO, IL 62298-1326

Mortgage

Document Number	397971
Date	Sep 25, 2018
Instrument	397971

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 24, 2028

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	397970,
Date	Sep 25, 2018
Instrument	397970

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2048

Interest

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	$2,632.00 (+7.47%) Homeowner's exemption	$48,900 (+16.65%) Land $16,340 Building $32,560	$146,700 (+16.65%) Land $49,020 Building $97,680
2024	$2,449.00
2022	Additional exemption filed	$41,920 Land $15,130 Building $26,790	$125,760 Land $45,390 Building $80,370

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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