512 S Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 512 S Main St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,226 sqft · built 1918
Lot Size	0.31 acres (13,289 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Jun 2021)
Tax Bill	$2,598 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Dec 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-434-007-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-434-007-000`
Alternative APN	`07251640200600 00`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,226 sqft Building Perimeter
1st Floor Area	1,226 sqft
Basement Area	613 sqft
Unfinished Basement	613 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Construction Type	Frame
Lot Area	13,289 sqft (0.31 acres)
Lot Dimensions	208 ft deep x 59 ft wide
Garage Type	Mixed
Garage Area	416 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	268 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	512 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 12E ROSE & OMELVENEYS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	ROSE & OMELVENEYS ADD
Legal Lot Number	12E
Jurisdiction	MONROE IL
Township / Civil Division	33
Census Block Group	1
Census Block	1052
Census Tract	600401

Owner

512 S Main St is owned and occupied by an individual who acquired it in December 2025.

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

Owner of Record	Individual Name on File
Mailing Address	512 S MAIN ST, WATERLOO, IL 62298-1444
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
Aug 7, 2026	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF WATERLOO
Dec 23, 2025	Quit Claim Deed, Transfer Quitclaim
Jun 30, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK
Jan 15, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2021 · Amount on File
Deed Sale	Jun 30, 2021 · Amount on File
Prior Sale	Jan 15, 2019 · Amount on File
Deed Document Number	2021418174
Last Transfer Date	Dec 23, 2025
Transfer Doc	0000440657
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Recording Date	Aug 7, 2026
Property Address	512 S MAIN ST, WATERLOO, IL 62298-1444
Document Number	0000443854
Instrument Date	Jul 27, 2026
Instrument	2026443854
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 S MAIN ST, WATERLOO, IL 62298-1444

Mortgage

Document Number	0000443854,
Date	Aug 7, 2026
Instrument	2026443854

Lender

Name	FIRST NATIONAL BANK OF WATERLOO

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Dec 23, 2025
Property Address	512 S MAIN ST, WATERLOO, IL 62298-1444
Document Number	0000440657
Instrument Date	Dec 23, 2025
Instrument	440657
Transaction Type	Transfer
Record Updated	Jan 14, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	932 KIMBERLY LN, WATERLOO, IL 62298-1865

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 S MAIN ST, WATERLOO, IL 62298-1444

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jun 30, 2021
Property Address	512 S MAIN ST, WATERLOO, IL 62298-1444
Document Number	0000418174
Instrument Date	Jun 29, 2021
Instrument	418174
Transaction Type	Transfer
Record Updated	Jul 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$217.50
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 S MAIN ST, WATERLOO, IL 62298-1444

Mortgage

Document Number	0000418175
Date	Jun 30, 2021
Instrument	418175

Lender

Name	FIRST NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jan 15, 2019
Property Address	512 S MAIN ST, WATERLOO, IL 62298-1444
Document Number	0000399550
Instrument Date	Jan 15, 2019
Instrument	399550
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	INTEGRITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	625 N MARKET ST, WATERLOO, IL 62298-1010

Mortgage

Document Number	0000399551
Date	Jan 15, 2019
Instrument	399551

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 512 S Main St was $2,598, down 2.6% 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	$2,598.00 (-2.55%) Homeowner's exemption	$48,330 (-5.31%) Land $15,330 Building $33,000	$144,990 (-5.31%) Land $45,990 Building $99,000
2024	$2,666.00 Additional exemption filed	$51,041 Land $16,190 Building $34,851	$153,123 Land $48,570 Building $104,553
2022	Additional exemption filed	$33,330 Land $13,110 Building $20,220	$99,990 Land $39,330 Building $60,660

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 512 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 512 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.

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