Monroe County property record for 528 S Main St, Waterloo, IL 62298
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 6 ba · 1,800 sqft · built 1920 |
| Lot Size | 0.26 acres (11,475 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $5,987 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-434-013-000 |
| Primary APN | 07-25-434-013-000 |
|---|---|
| Alternative APN |
|
| Full Baths | 6 Baths |
|---|---|
| Plumbing Fixtures | 18 Plumbing Fixtures |
| Units | 4 Units |
| Stories | 2 Stories |
| Building Area | 1,800 sqft Base Area |
| 1st Floor Area | 1,800 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 11,475 sqft (0.26 acres) |
| Lot Dimensions | 190 ft deep x 62 ft wide |
| Garage Type | Carport |
| Garage Area | 1,125 sqft |
| Carport | Carport |
| Carport Area | 1,125 sqft |
| Driveway | Asphalt Driveway |
| Driveway Area | 1,500 sqft |
| Parking Spaces | 4 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 528 S MAIN ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-6607 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Local Zoning Code | WR3 |
| Legal Description | LOT 1 HOENERS 2ND ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | HOENERS 2ND ADD |
| Legal Lot Number | 1 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 33 |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 600401 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 1231 CASTLE GREEN DR, WATERLOO, IL 62298-3550 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 528 S MAIN ST, WATERLOO, IL 62298-6607 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000427280 |
|---|---|
| Date | Dec 13, 2022 |
| Instrument | 427280 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 6, 2037 |
| Rate Type | Fixed Rate |
|---|
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 | $5,987.00 (+13.35%) | $98,120 (+19.89%) Land $16,680 Building $81,440 | $294,360 (+19.89%) Land $50,040 Building $244,320 |
| 2024 | $5,282.00 (+0.53%) | ||
| 2022 | $5,254.00 | $81,840 Land $15,340 Building $66,500 | $245,520 Land $46,020 Building $199,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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