503 S Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 503 S Main St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,248 sqft · built 1971
Lot Size	0.18 acres (7,800 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,048 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-433-027-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-433-027-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	468 sqft
Unfinished Basement	468 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	7,800 sqft (0.18 acres)
Lot Dimensions	126 ft deep x 63 ft wide
Garage Area	720 sqft
Driveway	Concrete Driveway
Driveway Area	96 sqft
Parking Spaces	3 Parking Spaces
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	503 S MAIN ST
City	WATERLOO
State	IL
Zip	62298-1445
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 8A & PART LOT 8B BLK 6 ROSE & OMELVENYS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	ROSE & OMELVENEYS ADD
Legal Block	6
Legal Lot Number	8A
Jurisdiction	MONROE IL
Township / Civil Division	33
Census Block Group	4
Census Block	4035
Census Tract	600501

Owner

Source: Monroe County records, as of October 13, 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	503 S MAIN ST, WATERLOO, IL 62298-1445
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jul 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	503 S MAIN ST, WATERLOO, IL 62298-1445
Transaction Type	Mortgage
Record Updated	Aug 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000418333
Date	Jul 7, 2021
Instrument	418333

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2036

Interest

Rate Type	Fixed Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	503 S MAIN ST, WATERLOO, IL 62298-1445
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000397008
Date	Jul 23, 2018
Instrument	397008

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2033

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$3,048.00 (+10.64%) Homeowner's exemption	$60,510 (+13.08%) Land $16,120 Building $44,390	$181,530 (+13.08%) Land $48,360 Building $133,170
2024	$2,755.00 (+0.95%)
2022	$2,729.00 Homeowner's exemption Additional exemption filed	$53,510 Land $14,990 Building $38,520	$160,530 Land $44,970 Building $115,560

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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