Monroe County property record for 401 S Main St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,140 sqft · built 1883 |
| Lot Size | 0.17 acres (7,275 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $78,000 (Sep 2020) |
| Tax Bill | $4,229 (2025) |
| Deeds & Mortgages | Sep 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-283-022-000 |
| Primary APN | 07-25-283-022-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,140 sqft Building Perimeter |
| 1st Floor Area | 840 sqft |
| Upper Floors Area | 300 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1883 |
|---|---|
| Effective Year Built | Effective 1883 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Raised |
| Lot Area | 7,275 sqft (0.17 acres) |
| Lot Dimensions | 102 ft deep x 68 ft wide |
| Garage Type | Mixed |
| Garage Area | 520 sqft |
| Driveway | Asphalt Driveway |
| Driveway Area | 1,063 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 56 sqft |
| Patio Area | 336 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 401 S MAIN ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1443 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOT 14 & 15B JAMES MOORES ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | JAMES MOORES ADD |
| Legal Lot Number | 14,15B |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 33 |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 600501 |
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.
Source: Monroe County records, as of October 20, 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 | 543 GARRATY RD, SAN ANTONIO, TX 78209-5940 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 28, 2020 · Amount on Record |
| Deed Sale | Sep 28, 2020 · Amount on Record |
| Deed Document Number | 2020411332 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Sep 28, 2020 |
| Property Address | 401 S MAIN ST, WATERLOO, IL 62298-1443 |
| Document Number | 0000411332 |
| Instrument Date | Sep 25, 2020 |
| Instrument | 411332 |
| Transaction Type | Transfer |
| Record Updated | Oct 7, 2020 |
| Title Company | MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC) |
| Amount | Amount Recorded |
|---|---|
| Tax | $117.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 543 GARRATY RD SAN ANTONIO TX 782095940, SAN ANTONIO, TX 78209-5940 |
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,229.00 (+7.12%) | $68,800 (+16.81%) Land $16,030 Building $52,770 | $206,400 (+16.81%) Land $48,090 Building $158,310 |
| 2024 | $3,948.00 | ||
| 2022 | $58,900 Land $14,940 Building $43,960 | $176,700 Land $44,820 Building $131,880 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 458 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: ClearWave, Wisper ISP.
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