Monroe County property record for 521 S Main St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,213 sqft · built 1890 |
| Lot Size | 0.26 acres (11,199 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,283 (2025) |
| Deeds & Mortgages | Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-433-018-000 |
| Primary APN | 07-25-433-018-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,213 sqft Living Area |
| 1st Floor Area | 1,213 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 11,199 sqft (0.26 acres) |
| Lot Dimensions | 126 ft deep x 84 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 143 sqft |
| Deck Area | 96 sqft |
| Patio Area | 252 sqft |
| Street Address | 521 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 | LOTS 2A, 3 & 4A 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 | 2A |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 33 |
| Census Block Group | 4 |
| Census Block | 4035 |
| Census Tract | 600501 |
521 S Main St is owned and occupied by two individuals.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 521 S MAIN ST, WATERLOO, IL 62298-1445 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Aug 22, 2017 |
| Property Address | 521 S MAIN ST, WATERLOO, IL 62298-1445 |
| Document Number | 0000391544 |
| Instrument Date | Aug 21, 2017 |
| Instrument | 391544 |
| Transaction Type | Transfer |
| Record Updated | Nov 7, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $172.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 521 S MAIN ST WATERLOO IL 622981445, WATERLOO, IL 62298-1445 |
| Document Number | 391545 |
|---|---|
| Date | Aug 22, 2017 |
| Instrument | 391545 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 21, 2047 |
| Rate | 4.18% |
|---|
The 2025 property tax bill for 521 S Main St was $2,283, up 8.5% 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 | $2,283.00 (+8.51%) Homeowner's exemption | $43,180 Land $16,650 Building $26,530 | $129,540 Land $49,950 Building $79,590 |
| 2024 | $2,104.00 | ||
| 2022 | Additional exemption filed | $39,070 Land $15,300 Building $23,770 | $117,210 Land $45,900 Building $71,310 |
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 521 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 521 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures