535 S Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 535 S Main St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 728 sqft · built 1940
Lot Size	0.14 acres (6,052 sqft)
Owner	Individual Name on Record
Tax Bill	$1,116 (2024)
Deeds & Mortgages	Nov 2025 Transfer Nov 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-433-024-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-433-024-000`
Alternative APN	`07251640101000 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	728 sqft Building Perimeter
1st Floor Area	728 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Construction Type	Frame
Lot Area	6,052 sqft (0.14 acres)
Lot Dimensions	126 ft deep x 50 ft wide
Garage Area	240 sqft
Driveway	Asphalt Driveway
Driveway Area	1,576 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	336 sqft
Deck Area	110 sqft
Patio Area	110 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	535 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 5 LOUIS H OSTERHAGES SUBD
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	LOUIS H OSTERHAGES
Legal Lot Number	5
Jurisdiction	MONROE IL
Township / Civil Division	33
Census Block Group	4
Census Block	4035
Census Tract	600501

Owner

Source: Monroe County records, as of July 20, 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	8923 WOODLANE RD, GERMANTOWN, IL 62245-2313
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Widow or Widower

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2025	Transfer on Death Deed, Transfer
Nov 6, 2025	Intrafamily Transfer, Transfer
Nov 5, 2025	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 25, 2025
Transfer Doc	0000440257
Record Updated	Sep 20, 2026

November 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MONROE IL
Recording Date	Nov 26, 2025
Property Address	535 S MAIN ST, WATERLOO, IL 62298-1445
Document Number	0000440257
Map Reference	MB B PG 62
Instrument Date	Nov 25, 2025
Instrument	440257
Transaction Type	Transfer
Record Updated	Dec 10, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 S MAIN ST, WATERLOO, IL 62298-1445

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE IL
Recording Date	Nov 6, 2025
Property Address	535 S MAIN ST, WATERLOO, IL 62298-1445
Document Number	0000439961
Map Reference	MB B PG 62
Instrument Date	Nov 4, 2025
Instrument	439961
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8923 WOODLANE RD, GERMANTOWN, IL 62245-2313

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 S MAIN ST, WATERLOO, IL 62298-1445

November 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	MONROE IL
Recording Date	Nov 5, 2025
Property Address	535 S MAIN ST, WATERLOO, IL 62298-1445
Document Number	0000439944
Map Reference	MB B PG 62
Instrument Date	Nov 4, 2025
Instrument	439944
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 S MAIN ST, WATERLOO, IL 62298-1442

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

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		$61,420 (-0.86%) Land $15,880 Building $45,540	$184,260 (-0.86%) Land $47,640 Building $136,620
2024	$1,116.00 Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$61,951 (+20.29%) Land $15,662 Building $46,289	$185,853 (+20.29%) Land $46,986 Building $138,867
2022	Homeowner's exemption Senior Citizen's exemption Additional exemption filed	$51,500 Land $14,850 Building $36,650	$154,500 Land $44,550 Building $109,950

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

Flood

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

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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