423 S Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 423 S Main St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 1,104 sqft · built 2021
Lot Size	0.13 acres (5,733 sqft)
Owner	Individual Name on File
Last Sale	$195,769 (Nov 2021)
Tax Bill	$3,631 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Nov 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-433-014-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-433-014-000`
Alternative APN	`07251640102300 00`

Interior

Bedrooms	2 Beds
Building Area	1,104 sqft Living Area
1st Floor Area	1,104 sqft
Basement Area	1,104 sqft
Unfinished Basement	1,104 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Lot Area	5,733 sqft (0.13 acres)
Lot Dimensions	126 ft deep x 44 ft wide

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	423 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	TAX LOT 3B SOUTH OUTLOTS SEC 25
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	SOUTH OUTLOTS IN THE CITY OF WATERLOO
Legal Lot Number	3B
Jurisdiction	MONROE IL
Township / Civil Division	33
Census Block Group	4
Census Block	4000
Census Tract	600501

Owner

423 S Main St is owned and occupied by an individual who bought it in November 2021.

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

Owner of Record	Individual Name on File
Mailing Address	423 S MAIN ST, WATERLOO, IL 62298-1443
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 8, 2026	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CREDIT UNION
Nov 8, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage ENDEAVOR CAPITAL LLC
Dec 7, 2020	Deed, Construction Loan · Construction Mortgage CITIZENS COMMUNITY BANK
Nov 9, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2021 · Amount on File
Deed Sale	Nov 8, 2021 · Amount on File
Prior Sale	Dec 7, 2020 · Amount on File
Deed Document Number	2021420813
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Recording Date	Apr 8, 2026
Property Address	423 S MAIN ST, WATERLOO, IL 62298-1443
Document Number	0000442027
Instrument Date	Apr 1, 2026
Instrument	2026442027
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 S MAIN ST, WATERLOO, IL 62298-1443

Mortgage

Document Number	0000442027,
Date	Apr 8, 2026
Instrument	2026442027

Lender

Name	FIRST COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2041

Interest

Rate	5.43%
Max Rate	-1%

November 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Nov 8, 2021
Property Address	423 S MAIN ST, WATERLOO, IL 62298-1443
Document Number	0000420813
Instrument Date	Nov 5, 2021
Instrument	420813
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 13, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$294.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 S MAIN ST, WATERLOO, IL 62298-1443

Mortgage

Document Number	0000420814
Date	Nov 8, 2021
Instrument	420814

Lender

Name	ENDEAVOR CAPITAL LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	3.12%

December 2020: Deed, Construction Loan

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Dec 7, 2020
Property Address	423 S MAIN ST, WATERLOO, IL 62298-1443
Document Number	0000413159
Instrument Date	Dec 4, 2020
Instrument	413159
Transaction Type	Construction Loan
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount on Record
Tax	$35.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 10, WATERLOO, IL 62298-0010
Investor	Possibly a Property Investor

Mortgage

Document Number	0000413160
Date	Dec 7, 2020
Instrument	413160

Lender

Name	CITIZENS COMMUNITY BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate	5.25%

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Nov 9, 2018
Property Address	423 S MAIN ST, WATERLOO, IL 62298-1443
Document Number	0000398697
Instrument Date	Nov 7, 2018
Instrument	398697
Transaction Type	Transfer
Record Updated	Nov 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3462 TROUT CAMP RD WATERLOO IL 622984910, WATERLOO, IL 62298-4910

Tax Assessment & Valuation

The 2025 property tax bill for 423 S Main St was $3,631, down 2.5% from the year before.

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	$3,631.00 (-2.5%) Homeowner's exemption	$65,260 (-5.31%) Land $14,490 Building $50,770	$195,780 (-5.31%) Land $43,470 Building $152,310
2024	$3,724.00	$68,921 Land $15,303 Building $53,618	$206,763 Land $45,909 Building $160,854
2022	Additional exemption filed	$66,420 Land $14,760 Building $51,660	$199,260 Land $44,280 Building $154,980

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 423 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 423 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.

Nearby Properties on S Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures