Monroe County property record for 401 W 3rd St, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Commercial > Retail |
|---|---|
| Lot Size | 14,350 sqft (0.33 acres) |
| Tax Bill | $4,871.00 (2024) |
Source: Monroe County records · APN 07-25-181-037-000
Assessment roll updated August 29, 2025 · Last verified July 2026
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| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 401 W 3RD ST, WATERLOO, IL 62298-1358 |
| Owner Type | Owner is a Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Sep 29, 2025 | Deed of Trust, Mortgage · Commercial Mortgage STATE BANK |
| Jan 20, 2021 | Deed of Trust, Mortgage · Commercial Mortgage MIDLAND STATES BANK |
| Oct 22, 2020 | Loan Modification, Mortgage NOT AVAILABLE |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 401 W 3RD ST, WATERLOO, IL 62298-1358 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2025 |
| Title Company | COMMUNITY TITLE AND ESCROW, COMMUNITY TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0000439430 |
|---|---|
| Date | Sep 29, 2025 |
| Instrument | 439430 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 401 W 3RD ST, WATERLOO, IL 62298-1358 |
| Transaction Type | Mortgage |
| Record Updated | Feb 09, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000414330 |
|---|---|
| Date | Jan 20, 2021 |
| Instrument | 414330 |
| Name | MIDLAND STATES BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 401 W 3RD ST, WATERLOO, IL 62298-1358 |
| Document Number | 0000412767 |
| Instrument Date | Oct 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 401 W 3RD ST WATERLOO IL 622981358, WATERLOO, IL 62298-1358 |
Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $79,190 (+1.63%) Land $17,000 Building $62,190 | $237,570 (+1.63%) Land $51,000 Building $186,570 | |
| 2024 | $4,871.00 | ||
| 2022 | $77,920 Land $15,550 Building $62,370 | $233,760 Land $46,650 Building $187,110 |
Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified: October 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.
| Primary APN | 07-25-181-037-000 |
|---|---|
| Alternative APN |
|
| Lot Area | 14,350 sqft (0.33 acres) |
|---|---|
| Depth X Width | 110 ft x 124 ft Depth x Width |
| Driveway | Driveway Concrete |
| Driveway Area | 476 sqft Driveway |
| Porch | 1 Porch |
| Porch Area | 240 sqft Porch |
| Street Address | 401 W 3RD ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1358 |
| Property Usage | Commercial Property Usage |
| Type | Commercial > Retail |
| Legal Description | LOTS 15 & 16 J B MOORES ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | J B MOORES ADD |
| Legal Lot Number | 15,16 |
| Jurisdiction | MONROE IL |
| Minor Civil Division | 17 |
| Census Blockgroup | 3 |
| Census Block | 3057 |
| Census Tract | 600401 |
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