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509 S Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 509 S Main St, Waterloo, IL 62298

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 896 sqft · built 1936
Lot Size0.17 acres (7,213 sqft)
OwnerIndividual Name on Record
Deeds & MortgagesFeb 2018 Loan Modification
Flood ZoneZone X (minimal risk)
APN07-25-433-016-000

Property Details

APN / Parcel Number

Primary APN07-25-433-016-000
Alternative APN
  • 07251640101800 00

Interior

Bedrooms2 Beds
Full Baths2 Baths
Plumbing Fixtures5 Plumbing Fixtures
Stories1 Story
Building Area896 sqft Living Area
1st Floor Area896 sqft
Basement Area896 sqft
Unfinished Basement896 sqft

Exterior

Year BuiltBuilt 1936
Effective Year BuiltEffective 1936
Construction TypeFrame
Lot Area7,213 sqft (0.17 acres)
Lot Dimensions126 ft deep x 54 ft wide
Garage Area300 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address509 S MAIN ST
CityWATERLOO
StateIL
Zip62298-1445
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeWR3
Legal DescriptionPART LOT 6 BLK 6 ROSE & OMELVENYS ADDN
Legal Range10W
Legal Township02S
Legal Section25
Legal SubdivisionROSE & OMELVENEYS ADD
Legal Block6
Legal Lot Number6
JurisdictionMONROE IL
Township / Civil Division33
Census Block Group4
Census Block4035
Census Tract600501

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 RecordIndividual Name on Record
Mailing Address509 S MAIN ST, WATERLOO, IL 62298-1445
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Record UpdatedOct 29, 2026

February 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMONROE IL
Property Address509 S MAIN ST, WATERLOO, IL 62298-1445
Document Number0000394721
Instrument DateFeb 13, 2018
Transaction TypeMortgage
Record UpdatedMar 13, 2018
Title CompanySERVICELINK LOAN MOD SOLUTIONS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSeparate Estate/Property
Address509 S MAIN ST WATERLOO IL 622981445, WATERLOO, IL 62298-1445

Mortgage

Document Number0000394721
DateMar 8, 2018
Instrument394721
Lender
NameUS BK
TypeBank
AddressOWENSBORO, KY 42301
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMar 7, 2048

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyMonroe County
MunicipalityWaterloo City
Unified School DistrictWaterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025Disabled Person's exemption$50,200 (+16.64%) Land $15,940 Building $34,260$150,600 (+16.64%) Land $47,820 Building $102,780
2022Disabled Person's exemption Additional exemption filed$43,040 Land $14,880 Building $28,160$129,120 Land $44,640 Building $84,480

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskNot 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 SystemWATERLOO
serves 10,190 people · EPA ID IL1330300
Water SourceGroundwater
Last State InspectionDec 2025
Lead1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting30
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

ProviderMax 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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