405 S Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 405 S Main St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,237 sqft · built 2010
Lot Size	0.14 acres (6,313 sqft)
Owner	2 Individual Names on Record
Last Sale	$167,000 (May 2018)
Tax Bill	$4,704 (2024)
Deeds & Mortgages	May 2020 Mortgage May 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-283-023-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-283-023-000`
Alternative APN	`07251220201300 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,237 sqft Living Area
1st Floor Area	1,237 sqft
Basement Area	1,237 sqft
Unfinished Basement	1,237 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Construction Type	Frame
Lot Area	6,313 sqft (0.14 acres)
Lot Dimensions	103 ft deep x 60 ft wide
Garage Area	420 sqft
Porch	Slab
Porch Area	84 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	405 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 15A JAMES MOORES ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	WM W MOORES ADD
Legal Lot Number	15A
Jurisdiction	MONROE IL
Township / Civil Division	33
Census Block Group	4
Census Block	4000
Census Tract	600501

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	2 Individual Names on Record
Mailing Address	405 S MAIN ST, WATERLOO, IL 62298-1443
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE BK/WATERLOO
May 15, 2019	Quit Claim Deed, Transfer · Conventional with PMI BANK OF EDWARDSVILLE
Jun 18, 2018	Deed of Trust, Mortgage · Conventional with PMI BANK OF EDWARDSVILLE
Jun 6, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
May 2, 2018	Warranty Deed, Subdivision Related Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2018 · Amount on Record
Deed Sale	May 2, 2018 · Amount on Record
Deed Document Number	2018395624
Last Transfer Date	May 9, 2019
Transfer Doc	0000401457
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	405 S MAIN ST, WATERLOO, IL 62298-1443
Document Number	0000409028
Instrument Date	May 29, 2020
Transaction Type	Mortgage
Record Updated	Jul 16, 2020
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	405 S MAIN ST WATERLOO IL 622981443, WATERLOO, IL 62298-1443

Mortgage

Document Number	0000409028
Date	Jun 26, 2020
Instrument	409028

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2050

Interest

Rate	3%

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	May 15, 2019
Property Address	405 S MAIN ST, WATERLOO, IL 62298-1443
Document Number	0000401457
Instrument Date	May 9, 2019
Instrument	401457
Transaction Type	Transfer
Record Updated	Jun 11, 2019
Title Company	ILLINOIS TITLE AND ESCROW, ILLINOIS TITLE & ESCROW

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	405 S MAIN ST WATERLOO IL 622981443, WATERLOO, IL 62298-1443

Mortgage

Document Number	401458
Date	May 15, 2019
Instrument	401458

Lender

Name	BANK OF EDWARDSVILLE
Type	Bank
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2049

Interest

Rate Type	Fixed Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	405 S MAIN ST, WATERLOO, IL 62298-1443
Document Number	0000396538
Instrument Date	Jun 18, 2018
Transaction Type	Mortgage
Record Updated	Jul 12, 2018
Title Company	MADISON COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 S MAIN ST WATERLOO IL 622981443, WATERLOO, IL 62298-1443

Mortgage

Document Number	0000396538
Date	Jun 22, 2018
Instrument	396538

Lender

Name	BANK OF EDWARDSVILLE
Type	Bank
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.35%

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Jun 6, 2018
Property Address	405 S MAIN ST, WATERLOO, IL 62298-1443
Document Number	0000396275
Instrument Date	Jun 4, 2018
Instrument	396275
Transaction Type	Transfer
Record Updated	Jun 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 S MAIN ST WATERLOO IL 622981443, WATERLOO, IL 62298-1443

May 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	May 2, 2018
Property Address	405 S MAIN ST, WATERLOO, IL 62298-1443
Document Number	0000395624
Instrument Date	May 2, 2018
Instrument	395624
Transaction Type	Subdivision Related Transfer
Record Updated	May 21, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$250.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	806 RIDGE RD WATERLOO IL 622983164, WATERLOO, IL 62298-3164

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		$84,470 (+18.62%) Land $15,870 Building $68,600	$253,410 (+18.62%) Land $47,610 Building $205,800
2024	$4,704.00
2022		$71,210 Land $14,830 Building $56,380	$213,630 Land $44,490 Building $169,140

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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