421 S Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 421 S Main St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 960 sqft · built 1913
Lot Size	0.16 acres (6,809 sqft)
Owner	2 Individual Names on Record
Last Sale	$239,000 (Apr 2025)
Tax Bill	$3,580 (2024)
Deeds & Mortgages	Jul 2019 Sale Jul 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`07-25-433-013-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-433-013-000`
Alternative APN	`07251640102400 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	960 sqft Building Perimeter
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Construction Type	Frame
Lot Area	6,809 sqft (0.16 acres)
Lot Dimensions	125 ft deep x 50 ft wide

Exterior Amenities

Porch	Porch
Porch Area	117 sqft
Deck Area	60 sqft
Patio Area	60 sqft
Shed	1 Shed
Shed Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	421 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 3A SOUTH OUTLOTS SEC 25
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	SOUTH OUTLOTS SEC
Legal Lot Number	3A
Jurisdiction	MONROE IL
Township / Civil Division	33
Census Block Group	4
Census Block	4000
Census Tract	600501

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	3617 BROOKVILLE DR, 2, SAINT LOUIS, MO 63125-4617
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2019	Grant Deed, Transfer ACCENT TITLE
Jul 18, 2019	Quit Claim Deed, Transfer ACCENT TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2025 · Amount on Record
Deed Sale	Apr 29, 2025 · Amount on Record
Deed Document Number	2025437352
Record Updated	Sep 20, 2026

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	Jul 15, 2019
Property Address	421 S MAIN ST, WATERLOO, IL 62298-1443
Document Number	0000402445
Instrument Date	Jul 11, 2019
Instrument	402445
Transaction Type	Transfer
Record Updated	Jul 30, 2019
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Tax	$22.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	4185 HANOVER RD COLUMBIA IL 622364611, COLUMBIA, IL 62236-4611

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Jul 18, 2019
Property Address	421 S MAIN ST, WATERLOO, IL 62298-1443
Document Number	0000402526
Instrument Date	Jul 11, 2019
Instrument	402526
Transaction Type	Transfer
Record Updated	Jul 31, 2019
Title Company	ACCENT TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4185 HANOVER RD COLUMBIA IL 622364611, COLUMBIA, IL 62236-4611

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		$62,320 (+16.84%) Land $15,960 Building $46,360	$186,960 (+16.84%) Land $47,880 Building $139,080
2024	$3,580.00 (+5.33%)
2022	$3,399.00	$53,340 Land $14,890 Building $38,450	$160,020 Land $44,670 Building $115,350

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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