417 S Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 417 S Main St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 840 sqft · built 1949
Lot Size	0.12 acres (5,413 sqft)
Owner	Company Name on File
Last Sale	$115,200 (Jun 2023)
Tax Bill	$2,877 (2025)
Deeds & Mortgages	Jan 2024 Transfer Jun 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-433-012-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-433-012-000`
Alternative APN	`07251640102500 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	840 sqft Living Area
1st Floor Area	840 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	5,413 sqft (0.12 acres)
Lot Dimensions	122 ft deep x 48 ft wide
Garage Area	336 sqft
Driveway	Concrete Driveway
Driveway Area	280 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	417 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 4A SOUTH OUTLOTS SEC 25
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	SOUTH OUTLOTS SEC
Legal Lot Number	4A
Jurisdiction	MONROE IL
Township / Civil Division	33
Census Block Group	4
Census Block	4000
Census Tract	600501

Owner

417 S Main St is owned by a company that acquired it in January 2024.

Source: Monroe County records, as of October 13, 2026

Owner of Record	Company Name on File
Mailing Address	6072 CHELSEA MANOR CT, BOULDER, CO 80301-3149
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2024	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 8, 2023	Warranty Deed, Transfer · Commercial Mortgage BANK OF OLD MONROE
Oct 16, 2020	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2023 · Amount on File
Deed Sale	Jun 8, 2023 · Amount on File
Prior Sale	Oct 16, 2020 · Amount on File
Deed Document Number	2023429305
Last Transfer Date	Jan 4, 2024
Transfer Doc	0000431711
Record Updated	Oct 29, 2026

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Jan 5, 2024
Property Address	417 S MAIN ST, WATERLOO, IL 62298-1443
Document Number	0000431711
Map Reference	MB 71 PG 253
Instrument Date	Dec 14, 2023
Instrument	431711
Transaction Type	Transfer
Record Updated	Jan 24, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6072 CHELSEA MANOR CT, BOULDER, CO 80301-3149

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jun 8, 2023
Property Address	417 S MAIN ST, WATERLOO, IL 62298-1443
Document Number	0000429305
Instrument Date	Jun 2, 2023
Instrument	429305
Transaction Type	Transfer
Record Updated	Jul 5, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Tax	$307.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	417 S MAIN ST, WATERLOO, IL 62298-1443

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6072 CHELSEA MANOR CT, BOULDER, CO 80301-3149
Investor	Possibly a Property Investor

Mortgage

Document Number	0000429304
Date	Jun 8, 2023
Instrument	429304

Lender

Name	BANK OF OLD MONROE
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	6.95%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 16, 2020
Property Address	417 S MAIN ST, WATERLOO, IL 62298-1443
Document Number	0000411740
Map Reference	MB 71 PG 253
Instrument Date	Oct 15, 2020
Instrument	411740
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1343 SUMMERFIELD, WATERLOO, IL 62298-2873

Mortgage

Document Number	0000411741
Date	Oct 16, 2020
Instrument	411741

Lender

Name	FAIRWAY INDEPENDENT MTG CORP

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 417 S Main St was $2,877.

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	$2,877.00	$47,160 Land $15,730 Building $31,430	$141,480 Land $47,190 Building $94,290
2024	$2,877.00
2022	Additional exemption filed	$42,220 (+15.51%) Land $14,760 Building $27,460	$126,660 (+15.51%) Land $44,280 Building $82,380
2021	Additional exemption filed	$36,550 Land $8,190 Building $28,360	$109,650 Land $24,570 Building $85,080

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

FEMA maps place 417 S Main St in Zone X, an area of minimal flood risk.

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

The area around 417 S Main St has no burnable land within ember reach, so its wildfire risk is not rated.

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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