540 S Main St, Waterloo, IL 62298 Property Records

Monroe County property record for 540 S Main St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 864 sqft · built 1948
Lot Size	0.25 acres (10,989 sqft)
Owner	2 Individual Names on Record
Last Sale	$167,000 (Feb 2021)
Tax Bill	$3,706 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-434-017-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-434-017-000`
Alternative APN	`07251640201600 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	864 sqft Building Perimeter
1st Floor Area	864 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Construction Type	Frame
Lot Area	10,989 sqft (0.25 acres)
Lot Dimensions	190 ft deep x 60 ft wide
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	540 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 5 HOENERS 2ND ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	HOENERS SECOND ADD
Legal Lot Number	5
Jurisdiction	MONROE IL
Township / Civil Division	33
Census Block Group	1
Census Block	1052
Census Tract	600401

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	540 S MAIN ST, WATERLOO, IL 62298-1444
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Jun 25, 2019	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2021 · Amount on Record
Deed Sale	Feb 22, 2021 · Amount on Record
Prior Sale	Jun 25, 2019 · Amount on Record
Deed Document Number	2021415070
Record Updated	Oct 29, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Feb 22, 2021
Property Address	540 S MAIN ST, WATERLOO, IL 62298-1444
Document Number	0000415070
Map Reference	MB A PG 57
Instrument Date	Feb 19, 2021
Instrument	415070
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	540 S MAIN ST, WATERLOO, IL 62298-1444

Mortgage

Document Number	0000415071
Date	Feb 22, 2021
Instrument	415071

Lender

Name	FIRST NATIONAL BANK WATERLOO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	2.5%

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jun 25, 2019
Property Address	540 S MAIN ST, WATERLOO, IL 62298-1444
Document Number	0000402128
Instrument Date	Jun 19, 2019
Instrument	402128
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	223 TEMPLE RD, 223, DERIDDER, LA 70634-9169

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 S MAIN ST, WATERLOO, IL 62298-1444

Mortgage

Document Number	0000402129
Date	Jun 25, 2019
Instrument	402129

Lender

Name	FAIRWAY INDEPENDENT MTG CORP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$3,706.00 (+2.66%) Homeowner's exemption	$66,500 (+19.84%) Land $16,980 Building $49,520	$199,500 (+19.84%) Land $50,940 Building $148,560
2024	$3,610.00
2022	Additional exemption filed	$55,490 Land $15,520 Building $39,970	$166,470 Land $46,560 Building $119,910

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

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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