404 S Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 404 S Main St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,484 sqft · built 1908
Lot Size	0.39 acres (16,774 sqft)
Owner	Company Name on Record
Tax Bill	$2,629 (2024)
Deeds & Mortgages	Mar 2024 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-434-003-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-434-003-000`
Alternative APN	`07251640200200 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,484 sqft Living Area
1st Floor Area	1,484 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	16,774 sqft (0.39 acres)
Lot Dimensions	211 ft deep x 49 ft wide
Patio Area	70 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	404 S MAIN ST
City	WATERLOO
State	IL
Zip	62298-1442
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 13B ROSE & OMELVENEYS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	ROSE & OMELVENEYS ADD
Legal Lot Number	13B
Jurisdiction	MONROE IL
Township / Civil Division	33
Census Block Group	1
Census Block	1052
Census Tract	600401

Owner

Source: Monroe County records, as of July 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	8608 HENKE CT, WATERLOO, IL 62298-5354
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2024	Deed of Trust, Mortgage · Line of Credit STATE BANK
Mar 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Sep 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage COLUMBIA NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 9, 2022
Transfer Doc	0000426922
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	404 S MAIN ST, WATERLOO, IL 62298-1442
Transaction Type	Mortgage
Record Updated	Mar 13, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000432275
Date	Mar 1, 2024
Instrument	432275

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Feb 14, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	404 S MAIN ST, WATERLOO, IL 62298-1442
Transaction Type	Mortgage
Record Updated	Apr 14, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000415591
Date	Mar 12, 2021
Instrument	415591

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	404 S MAIN ST, WATERLOO, IL 62298-1442
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000403806
Date	Sep 26, 2019
Instrument	403806

Lender

Name	COLUMBIA NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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		$46,460 (+12.47%) Land $17,500 Building $28,960	$139,380 (+12.47%) Land $52,500 Building $86,880
2024	$2,629.00
2022		$41,310 Land $15,820 Building $25,490	$123,930 Land $47,460 Building $76,470

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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