529 S Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 529 S Main St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 952 sqft · built 1920
Lot Size	0.14 acres (6,058 sqft)
Owner	Individual Name on File
Tax Bill	$3,131 (2025)
Deeds & Mortgages	Feb 2026 Transfer Jan 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`07-25-433-021-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-433-021-000`
Alternative APN	`07251640101300 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	952 sqft Building Perimeter
1st Floor Area	952 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	6,058 sqft (0.14 acres)
Lot Dimensions	126 ft deep x 50 ft wide
Garage Type	Carport
Garage Area	494 sqft
Carport	Carport
Carport Area	494 sqft
Driveway	Concrete Driveway
Driveway Area	198 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	529 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 2 LOUIS H OSTERHAGES SUBD 0129472
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	LOUIS H OSTERHAGES
Legal Lot Number	2
Jurisdiction	MONROE IL
Township / Civil Division	33
Census Block Group	4
Census Block	4035
Census Tract	600501

Owner

529 S Main St is owned and occupied by an individual who acquired it in February 2026.

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

Owner of Record	Individual Name on File
Mailing Address	529 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.

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jan 22, 2026	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 24, 2026
Transfer Doc	0000441423
Record Updated	Oct 29, 2026

February 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MONROE IL
Recording Date	Feb 26, 2026
Property Address	529 S MAIN ST, WATERLOO, IL 62298-1445
Document Number	0000441423
Instrument Date	Feb 24, 2026
Instrument	441423
Transaction Type	Transfer
Record Updated	Mar 11, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	529 S MAIN ST, WATERLOO, IL 62298-1445

January 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MONROE IL
Recording Date	Jan 22, 2026
Property Address	529 S MAIN ST, WATERLOO, IL 62298-1445
Document Number	0000440961
Instrument Date	Jan 20, 2026
Instrument	440961
Transaction Type	Transfer
Record Updated	Feb 4, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	529 S MAIN ST, WATERLOO, IL 62298-1445

Tax Assessment & Valuation

The 2025 property tax bill for 529 S Main St was $3,131 with a homeowner's exemption, up 7.9% 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	$3,131.00 (+7.85%) Homeowner's exemption	$61,860 (+3.01%) Land $15,880 Building $45,980	$185,580 (+3.01%) Land $47,640 Building $137,940
2024	$2,903.00 Homeowner's exemption Additional exemption filed	$60,050 Land $15,662 Building $44,388	$180,150 Land $46,986 Building $133,164
2022	Homeowner's exemption Additional exemption filed	$53,000 Land $14,850 Building $38,150	$159,000 Land $44,550 Building $114,450

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

Flood

FEMA maps place 529 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 529 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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