OFF MARKET

Last listed at $215,000, closed on aug 2025

$222,152

Est. refi paymentEst. refi $1,117/mo

•

1,316

sq ft

105 Gardner St, Waterloo, IL 62298

About this home

Don’t miss this beautifully updated charmer in the heart of Waterloo! Step into a bright and airy living room filled with natural light and fresh flooring throughout. The stylish kitchen wows with statement cabinetry, butcher block countertops, stainless steel appliances, and a custom pantry for added storage. Two spacious bedrooms and a modern full bath complete the main floor. Downstairs, enjoy a partially finished basement with a built-in bar, half bath, laundry, and bonus living space. Outside, the brand new fence and spacious patio make the backyard perfect for entertaining! Two covered parking spaces and a prime location just steps from Downtown Waterloo make this one a must-see!

Single-familyProperty Type

1961Year Built

4,952 sq ftLot Size

$169Est. Price/Sq.Ft.

2 spacesParking

Listed by Christine LaValle • eXp Realty

Listed by Kaitlyn Posey • eXp Realty

Bought with Lauren Luke • eXp Realty

Redfin checked: 2 minutes ago

•Source:MARIS as Distributed by MLS Grid #25046039

Redfin Estimate

$222,152

$7,152 over list price of $215K

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 12.4% higher than the average sale price ($198K) of 5 comparable homes.

SOLD SEP 1, 2026
$225,000
A
3 beds2 baths1,413 sq ft
306 S Market St, Waterloo, IL 62298
SOLD JUL 14, 2026
$150,000
B
2 beds2 baths1,410 sq ft
539 S Main St, Waterloo, IL 62298
SOLD AUG 26, 2026
$215,000
C
2 beds1 bath1,304 sq ft
405 Veterans Dr, Waterloo, IL 62298
SOLD JUN 5, 2026
$198,000
D
2 beds1 bath832 sq ft
209 Oak St, Waterloo, IL 62298
SOLD MAY 20, 2026
$199,975
E
2 beds2 baths1,613 sq ft
100 Lemen St, Waterloo, IL 62298

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Earn from this home

Refinance

Est. cash available

Get cash now or lower your monthly rate

Rent

$1,377/mo

Redfin rental estimate

List your home for rent

Market trends in 62298, IL

Last updated October 2026

Buyer's Market

Seller's Market

Seller's market

Sale-to-list price

98.9%

+1.0% MoM

Median sale price

$342K

$5K MoM

Avg. days on market

45d

1 days MoM

Recently sold homes

4 MoM

New listings for sale

3D WALKTHROUGH
$560,000
4 beds3 baths2,741 sq ft
476 Hayden Dr, Waterloo, IL 62298
OPEN SUN, 11AM TO 1PM
$329,000
3 beds2 baths1,762 sq ft
745 N Market St, Waterloo, IL 62298
$267,500
3 beds1.5 baths2,491 sq ft
902 Evansville Ave, Waterloo, IL 62298
$399,900
3 beds2 baths1,584 sq ft
5842 Deer Hill Rd, Waterloo, IL 62298
COMING SOON
$299,900
2 beds3 baths1,616 sq ft
713 Willow Ln, Waterloo, IL 62298
$30,000
Studio— baths784 sq ft
238 Grand Ave Unit A, Waterloo, IL 62298
OPEN NOV 21, 10AM TO 12PM
$300,000
3 beds2.5 baths3,797 sq ft
5723 Konarick Rd, Waterloo, IL 62298
$345,000
3 beds3 baths2,887 sq ft
715 Legion Dr, Waterloo, IL 62298
See all

Provided by Redfin

Sale history for 105 Gardner St

Date

Event

Price

MARIS as Distributed by MLS Grid #25046039

Aug 15, 2025

Sold

Jul 15, 2025

Contingent

—

Jul 10, 2025

Listed

$215,000

$163/sq ft

Jul 4, 2025

Coming Soon

$215,000

$163/sq ft

Public Records

Aug 5, 2019

Sold

$138,000

$105/sq ft

MARIS as Distributed by MLS Grid #19038468

Aug 1, 2019

Sold

Jul 25, 2019

Pending

—

Jun 4, 2019

Contingent

—

May 28, 2019

Listed

$138,000

$105/sq ft

+22

Don't miss the opportunity to make this house your HOME! This nicely updated 2 bedroom & 2 bath with a full partially finished basement won't last long! Stepping into the front door, you will be wowed by the appealing gray-toned floors & crisp white trim. The completely updated kitchen offers grey painted cabinetry, tile back splash, new counters, custom built in pantry with pull out shelves & high end stainless appliances. Main level also features 2 spacious bedrooms & updated full bath with new vanity & custom tile work. The lower level showcases a spacious family & rec room with built in bar, another updated 1/2 bath, & laundry/storage area. Outside you have more storage space in carport and shed & Fully fenced yard gives you loads of privacy on the back patio where you will spend many nights grilling and enjoying the sunset. Location could not be better for walking to all the downtown Waterloo shops, restaurants and Parades! Make your appointment today before its too late!

Public Records

Aug 29, 2003

Sold

$85,000

$65/sq ft

Public Records

Feb 1, 1992

Sold

$65,000

$49/sq ft

Join or sign in to view all info

Year

Property tax

Land + Additions

Assessment*

2025

$3,100 (+7.7%)

$15,670 + $40,880

$56,550

2024

$2,877 (+18.6%)

$15,670 + $40,880

$56,550

2023

$2,427 (+0.9%)

$15,493 + $39,118

$54,611

2022

$2,406 (+19.6%)

$14,450 + $30,090

$44,540

2021

$2,011 (+4.1%)

$14,720 + $29,030

$43,750

2020

$1,932 (+2.9%)

$7,830 + $29,050

$36,880

2019

$1,877 (+5.9%)

$7,830 + $27,010

$34,840

2018

$1,772 (+3.4%)

$7,830 + $25,800

$33,630

2017

$1,713 (+5.3%)

$6,370 + $24,880

$31,250

2016

$1,627 (+3.4%)

$4,680 + $25,650

$30,330

2015

$1,573 (+5.7%)

$4,680 + $25,650

$30,330

2014

$1,488 (+11.5%)

$5,380 + $24,340

$29,720

2013

$1,335

$5,380 + $21,530

$26,910

Tax history for 105 Gardner St

Year

Property tax

Land + Additions

Assessment*

2025

$3,100 (+7.7%)

$15,670 + $40,880

$56,550

2024

$2,877 (+18.6%)

$15,670 + $40,880

$56,550

2023

$2,427 (+0.9%)

$15,493 + $39,118

$54,611

2022

$2,406 (+19.6%)

$14,450 + $30,090

$44,540

2021

$2,011 (+4.1%)

$14,720 + $29,030

$43,750

2020

$1,932 (+2.9%)

$7,830 + $29,050

$36,880

2019

$1,877 (+5.9%)

$7,830 + $27,010

$34,840

2018

$1,772 (+3.4%)

$7,830 + $25,800

$33,630

2017

$1,713 (+5.3%)

$6,370 + $24,880

$31,250

2016

$1,627 (+3.4%)

$4,680 + $25,650

$30,330

2015

$1,573 (+5.7%)

$4,680 + $25,650

$30,330

2014

$1,488 (+11.5%)

$5,380 + $24,340

$29,720

2013

$1,335

$5,380 + $21,530

$26,910

*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.

Public record

Public record
Zoning

Beds

Baths

Stories

Lot width

—

Lot depth

—

Lot size

4,953 Sq. Ft.

Year renovated

1961

Sq. Ft.

816

Year built

1961

Style

Single Family Residential

County

Monroe County

APN

07-25-284-011-000

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Aug 26, 2026.

Single-Family Residence Districts

The Single-Family Residence Districts, as differentiated herein, and the district locations as depicted on the Zone District Map, reflect the wide variety of physical and social characteristics found in Waterloo, to the extent that the range of such conditions and characteristics can be divided into meaningful categories. It is the purpose of these regulations to encourage the creation and maintenance of stable and enduring residential areas by establishing limitations on the use and character of development so as to take advantage of, or to avoid conflict with, natural topography, existing development, arrangements and locations of existing or planned community facilities and social needs of the city.

Permitted uses

Include but are not limited to:

Housing-Single unit

Property details

Parking

Parking Information
Has Carport
Carport Spaces: 2

Interior

Bedroom Information
# of Bedrooms: 2
# of Bedrooms Main: 2
Main And Upper Level Bedrooms: 2
Upper Level Bedrooms: 0
Lower Level Bedrooms: 0

Bathroom Information
# of Full Baths (Total): 1
# of Half Baths (Total): 1
Main Level Bathrooms Half: 0
Main Level Bathrooms Full: 1
Main And Upper Level Bathrooms: 1
Upper Level Bathrooms Half: 0
Upper Level Bathrooms Full: 0
Lower Level Bathrooms Half: 1
Lower Level Bathrooms Full: 0

Room 1 Information
Room Type: Living Room
Room Dimensions: 16x11
Room Length: 16
Room Width: 11
Room Level: Main

Room 2 Information
Room Type: Kitchen
Room Dimensions: 16x11
Room Length: 16
Room Width: 11
Room Level: Main

Room 3 Information
Room Type: Bedroom
Room Dimensions: 10x11
Room Length: 10
Room Width: 11
Room Level: Main

Room 4 Information
Room Type: Bedroom 2
Room Dimensions: 10x11
Room Length: 10
Room Width: 11
Room Level: Main

Room 5 Information
Room Type: Family Room
Room Dimensions: 18x12
Room Length: 18
Room Width: 12

Room 6 Information
Room Type: Storage
Room Dimensions: 10x11
Room Length: 10
Room Width: 11

Laundry Room Information
Laundry Features: In Basement

Basement Information
Has Basement
Basement Features: Bathroom, Concrete, Partially Finished, Full, Storage Space, Sump Pump

Other Rooms Information
Room Count: 6
# of Rooms: 6

Heating & Cooling
Heating Information: Forced Air, Natural Gas
Cooling Information: Ceiling Fan(s), Central Air, Electric

Interior Features
Interior Features: Ceiling Fan(s), Eat-in Kitchen, Pantry
Appliances: Stainless Steel Appliance(s), Range, Gas Water Heater
Flooring: Laminate

Exterior

Building Information
Construction Materials: Vinyl Siding

Exterior Features
Exterior Features: Private Yard
Fencing: Fenced, Full

Property Information
Property Type: Residential
Property Sub Type: Single Family Residence
Above Grade Finished Area: 816
Above Grade Finished Area Source: Public Records

Lot Information
Lot Features: Back Yard, Front Yard, Landscaped, Level
Lot Size Acres: 0.1137
Lot Size Dimensions: IRR
Lot Size Source: Public Records

Financial

Tax Information
Tax Annual Amount: $2,427
Tax Year: 2023

Lease / Rent Details
Lease Considered YN: No

Financial Information
Second Mortgage YN: 0

Utilities

Utility Information
Water Source: Public
Sewer: Public Sewer
Utilities: Electricity Connected

Location

School Information
Elementary School: WATERLOO DIST 5
Middle Or Junior High School: WATERLOO DIST 5
High School: Waterloo
High School District: Waterloo DIST 5

Location Information
Address Line: 105 Gardner ST, WTRL IL 62298

Public facts

Beds: 2
Baths: 3.0
Sq. Ft.: 816
Stories: 1.0
Lot Size: 4,953 square feet
Style: Single Family Residential
Year Built: 1961
Year Renovated: 1961
County: Monroe County
APN: 07-25-284-011-000

Home facts updated by county records on Aug 26, 2026

Other

Listing Information
Home Warranty YN: No
Seller Consider Concession YN: 1

Home Information
Living Area: 1316
Living Area Source: Estimated
Living Area Srch Sq Ft: 1316.00
Above Grade Finished Area Srch Sq Ft: 816.00
Public Records
Levels: One

Around this home

Schools

K - 12
Preschool & daycare

Rogers Elementary School

Public 2-3 • Assigned • 0.5mi

10/10

Waterloo Junior High School

Public 6-8 • Assigned • 0.6mi

7/10

Waterloo High School

Public 9-12 • Assigned • 1.1mi

6/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Climate risks

1/10 Flood Factor

Minimal risk of a flood reaching the building in the next 30 years

1/10 Fire Factor

Unlikely to be in a wildfire in next 30 years

5/10 Heat Factor

7 days above 106° expected this year, 20 days in 30 years

2/10 Wind Factor

1% chance of strong winds in next 30 years

1/10 Air Factor

0 unhealthy days expected this year, 0 days in 30 years

Provided by First Street

Historical weather

Waterloo, IL • 62298

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

In this area, properties receive around 9.9 hours in June and 4.1 hours in December, which is comparable to the U.S. average for solar exposure.

9.9 hrs

4.1 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$212,000 – $256,000

Sell confidently with a local market expert in Waterloo. 3 minutes to get started.

Nearby similar homes

OPEN NOV 21, 10AM TO 12PM

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New listings for sale in 62298

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OPEN SUN, 11AM TO 1PM

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Full brick ranch • Large sunroom • Small workshop area

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Full brick ranch • Natural light • Breakfast bar

$399,900

3 beds2 baths1,584 sq ft

5842 Deer Hill Rd, Waterloo, IL 62298

All brick ranch • 4.7 wooded acres • New deck

COMING SOON

$299,900

2 beds3 baths1,616 sq ft

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$30,000

Studio— baths784 sq ft

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Storage shed • Manageable lot • Prime location

OPEN NOV 21, 10AM TO 12PM

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5723 Konarick Rd, Waterloo, IL 62298

2.5 acres • Finished basement • 30 x 40 pole barn

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Full brick home • Hardwood floors • Large picture window

Home values near 105 Gardner St

Data from public records.

Address	Redfin Estimate
104 Gardner Street, Waterloo, IL 2 Beds \| 3 Baths \| 1342 Sq. Ft.	$229,569
417 S Main Street, Waterloo, IL 2 Beds \| 2 Baths \| 840 Sq. Ft.	$204,420
330 S Main Street, Waterloo, IL 2 Beds \| 2 Baths \| 1098 Sq. Ft.	$159,744
412 S Market Street, Waterloo, IL 3 Beds \| 2 Baths \| 2076 Sq. Ft.	$248,384
311 S Market Street, Waterloo, IL 3 Beds \| 3 Baths \| 930 Sq. Ft.	$238,102
320 S Main Street, Waterloo, IL 2 Beds \| 2 Baths \| 1365 Sq. Ft.	$234,238
405 S Main Street, Waterloo, IL 3 Beds \| 3 Baths \| 1237 Sq. Ft.	$266,275

Address	Redfin Estimate
102 Gardner Street, Waterloo, IL 2 Beds \| 2 Baths \| 768 Sq. Ft.	$182,529
407 S Market Street, Waterloo, IL 4 Beds \| 3 Baths \| 1312 Sq. Ft.	$234,013
403 S Market Street, Waterloo, IL 2 Beds \| 1 Baths \| 1260 Sq. Ft.	$216,636
410 S Market Street, Waterloo, IL 1 Beds \| 1 Baths \| 672 Sq. Ft.	$159,094
401 S Market Street, Waterloo, IL 3 Beds \| 2 Baths \| 1887 Sq. Ft.	$298,231
500 S Main Street, Waterloo, IL 3 Beds \| 3 Baths \| 936 Sq. Ft.	$226,400
501 S Market Street, Waterloo, IL 2 Beds \| 2 Baths \| 768 Sq. Ft.	$175,099

Address	Redfin Estimate
411 S Main Street, Waterloo, IL 2 Beds \| 2 Baths \| 1675 Sq. Ft.	$223,573
505 S Market Street, Waterloo, IL 3 Beds \| 2 Baths \| 728 Sq. Ft.	$192,577
406 S Market Street, Waterloo, IL 3 Beds \| 4 Baths \| 1290 Sq. Ft.	$259,439
408 S Market Street, Waterloo, IL 2 Beds \| 3 Baths \| 1148 Sq. Ft.	$244,499
405 S Market Street, Waterloo, IL 2 Beds \| 1 Baths \| 1218 Sq. Ft.	$146,037
415 S Main Street, Waterloo, IL 3 Beds \| 2 Baths \| 1008 Sq. Ft.	$164,100
400 S Main Street, Waterloo, IL 3 Beds \| 3 Baths \| 1392 Sq. Ft.	$256,582

Property information provided by MARIS as Distributed by MLS Grid when last listed in 2025. This data may not match . Learn more.

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About this home

Redfin Estimate

Earn from this home

Market trends in 62298, IL

Sale history for 105 Gardner St

Tax history for 105 Gardner St

Public record

Property details

Around this home

Schools

Lifestyle

Climate risks

Historical weather

Sun exposure

Nearby similar homes

New listings for sale in 62298

Home values near 105 Gardner St

More real estate resources