Monroe County property record for 500 S Main St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 936 sqft · built 1927 |
| Lot Size | 0.32 acres (14,144 sqft) |
| Owner | Individual Name on File |
| Last Sale | $120,000 (Oct 2018) |
| Tax Bill | $3,518 (2025) |
| Deeds & Mortgages | Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-434-004-000 |
| Primary APN | 07-25-434-004-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 936 sqft Building Perimeter |
| 1st Floor Area | 936 sqft |
| Basement Area | 936 sqft |
| Unfinished Basement | 936 sqft |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Construction Type | Frame |
| Lot Area | 14,144 sqft (0.32 acres) |
| Lot Dimensions | 211 ft deep x 65 ft wide |
| Garage Area | 240 sqft |
| Driveway | Asphalt Driveway |
| Driveway Area | 2,142 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 500 S MAIN ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1444 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOT 12C ROSE & OMELVENEYS ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | CITY OF WATERLOO |
| Legal Lot Number | 12C |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 33 |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 600401 |
500 S Main St is owned and occupied by an individual who bought it in October 2018.
Source: Monroe County records, as of October 13, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 500 S MAIN ST, WATERLOO, IL 62298-1444 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 25, 2018 · Amount on File |
| Deed Sale | Oct 25, 2018 · Amount on File |
| Deed Document Number | 2018398440 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Oct 25, 2018 |
| Property Address | 500 S MAIN ST, WATERLOO, IL 62298-1444 |
| Document Number | 0000398440 |
| Instrument Date | Oct 25, 2018 |
| Instrument | 398440 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $180.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 500 S MAIN ST, WATERLOO, IL 62298-1444 |
| Document Number | 0000398441 |
|---|---|
| Date | Oct 25, 2018 |
| Instrument | 398441 |
| Name | FAIRWAY INDEPENDENT MTG CORP |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 500 S Main St was $3,518, up 7.5% from the year before.
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,518.00 (+7.45%) Homeowner's exemption | $63,420 Land $17,110 Building $46,310 | $190,260 Land $51,330 Building $138,930 |
| 2024 | $3,274.00 | ||
| 2022 | Additional exemption filed | $54,410 Land $15,610 Building $38,800 | $163,230 Land $46,830 Building $116,400 |
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.
FEMA maps place 500 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.
The area around 500 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.
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 |
| 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.
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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