OFF MARKET

Last listed at $300,000, closed on jul 2025

$316,136

Est. refi paymentEst. refi $2,199/mo

•

1,582

sq ft

20 Richard St, Waterloo, IL 62298

About this home

Discover the charm and warmth of this exceptional 3bed, 2bath ranch, situated on a spacious corner lot. Built in 1994, this brick residence offers 1,582 square feet of comfortable living space. The upstairs has been freshly painted & the hall bath has been recently updated. The Vaulted living room features a cozy fireplace & flows seamlessly into the kitchen, complete with slate flooring, stainless steel appliances & a breakfast bar. The primary suite is spacious, with a full bathroom & walk-in closet, while two additional bedrooms offer flexibility for guests or hobbies. The partially finished basement includes two additional spaces with closets, ideal for a home office or recreation space. Step outside to discover the tranquil oasis of the covered patio & peaceful koi pond with waterfall perfect for entertainment. The residence features ample parking space & storage including a 2 car garage & detached carport. Generator included. This home is ready for you to make it your own!

Single-familyProperty Type

1994Year Built

0.3 acresLot Size

$200Est. Price/Sq.Ft.

2 garage spacesParking

Listed by Alexis Hicks • eXp Realty

Bought with Mandy McGuire • Keller Williams Pinnacle

Redfin checked: 2 minutes ago

•Source:MARIS as Distributed by MLS Grid #25027724

Redfin Estimate

$316,136

$16K over list price of $300K

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 8.5% lower than the average sale price ($345K) of 6 comparable homes.

SOLD SEP 25, 2026
$315,000
A
3 beds2 baths1,560 sq ft
1225 Sherwood Ln, Waterloo, IL 62298
SOLD JUL 29, 2026
$295,000
B
3 beds2 baths1,664 sq ft
122 Westview Pl, Waterloo, IL 62298
SOLD MAY 21, 2026
$215,000
C
3 beds2 baths1,424 sq ft
707 Marney Ln, Waterloo, IL 62298
SOLD JUL 1, 2026
$400,000
D
3 beds2 baths1,880 sq ft
400 Mockingbird Ln, Waterloo, IL 62298
SOLD AUG 20, 2026
$522,308
E
3 beds2 baths1,706 sq ft
347 Jenny Ct, Waterloo, IL 62298
SOLD SEP 24, 2026
$324,900
F
3 beds2 baths1,792 sq ft
849 Blazing Star Dr, Waterloo, IL 62298

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Earn from this home

Sell

$295,905

Est. take-home

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Refinance

Est. cash available

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Rent

$1,527/mo

Redfin rental estimate

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Market trends in 62298, IL

Last updated September 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

COMING SOON
$560,000
4 beds3 baths2,741 sq ft
476 Hayden Dr, Waterloo, IL 62298
$495,000
4 beds2.5 baths1,895 sq ft
8329 Andy Rd, Waterloo, IL 62298
$424,999
4 beds3.5 baths3,069 sq ft
1033 Turtle Dove Trl, Waterloo, IL 62298
$499,000
4 beds3 baths3,068 sq ft
6107 Briar Trl, Waterloo, IL 62298
See all

Provided by Redfin

Sale history for 20 Richard St

Year

Property tax

Land + Additions

Assessment*

2025

$5,555 (+60.6%)

$16,900 + $84,680

$101,580

2024

$3,459 (−2.8%)

$16,900 + $84,680

$101,580

2023

$3,557 (−7.6%)

$16,517 + $82,661

$99,178

2022

$3,852 (−4.6%)

$15,300 + $67,150

$82,450

2021

$4,039 (+3.1%)

$15,470 + $61,220

$76,690

2020

$3,916 (+0.8%)

$13,090 + $61,930

$75,020

2019

$3,886 (+3.4%)

$13,090 + $58,350

$71,440

2018

$3,757 (+4.0%)

$13,090 + $57,100

$70,190

2017

$3,611 (+5.4%)

$10,180 + $56,360

$66,540

2016

$3,426 (−4.9%)

$9,490 + $52,760

$62,250

2015

$3,601 (+9.9%)

$9,490 + $52,760

$62,250

2014

$3,276 (−0.9%)

$11,010 + $54,270

$65,280

2013

$3,305

$11,010 + $51,750

$62,760

Tax history for 20 Richard St

Year

Property tax

Land + Additions

Assessment*

2025

$5,555 (+60.6%)

$16,900 + $84,680

$101,580

2024

$3,459 (−2.8%)

$16,900 + $84,680

$101,580

2023

$3,557 (−7.6%)

$16,517 + $82,661

$99,178

2022

$3,852 (−4.6%)

$15,300 + $67,150

$82,450

2021

$4,039 (+3.1%)

$15,470 + $61,220

$76,690

2020

$3,916 (+0.8%)

$13,090 + $61,930

$75,020

2019

$3,886 (+3.4%)

$13,090 + $58,350

$71,440

2018

$3,757 (+4.0%)

$13,090 + $57,100

$70,190

2017

$3,611 (+5.4%)

$10,180 + $56,360

$66,540

2016

$3,426 (−4.9%)

$9,490 + $52,760

$62,250

2015

$3,601 (+9.9%)

$9,490 + $52,760

$62,250

2014

$3,276 (−0.9%)

$11,010 + $54,270

$65,280

2013

$3,305

$11,010 + $51,750

$62,760

*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

0.3 Acres

Year renovated

1994

Sq. Ft.

1,582

Year built

1994

Style

Single Family Residential

County

Monroe County

APN

07-13-152-004-000

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
Parking Total: 4
Parking Features: RV Access/Parking, Attached, Garage, Covered, Off Street
Garage Spaces: 2
Has Carport
Carport Spaces: 2
Has Attached Garage
Has Garage
Garage Size Description: 528

Interior

Bedroom Information
# of Bedrooms: 3
# of Bedrooms Main: 3
Main And Upper Level Bedrooms: 3
Upper Level Bedrooms: 0
Lower Level Bedrooms: 0

Bathroom Information
# of Full Baths (Total): 2
Main Level Bathrooms Half: 0
Main Level Bathrooms Full: 2
Main And Upper Level Bathrooms: 2
Upper Level Bathrooms Half: 0
Upper Level Bathrooms Full: 0
Lower Level Bathrooms Half: 0
Lower Level Bathrooms Full: 0

Room 1 Information
Room Type: Living Room
Room Dimensions: 21 x 17
Room Length: 21
Room Width: 17
Room Level: Main

Room 2 Information
Room Type: Kitchen
Room Dimensions: 25 x 12
Room Length: 25
Room Width: 12
Room Level: Main

Room 3 Information
Room Dimensions: 11 x 13
Room Length: 11
Room Width: 13
Room Level: Main

Room 4 Information
Room Dimensions: 11 x 13
Room Length: 11
Room Width: 13
Room Level: Main

Room 5 Information
Room Type: Bathroom
Room Dimensions: 5 x 10
Room Length: 5
Room Width: 10
Room Level: Main

Room 6 Information
Room Dimensions: 14 x 12
Room Length: 14
Room Width: 12
Room Level: Main

Room 7 Information
Room Dimensions: 5 x 10
Room Length: 5
Room Width: 10
Room Level: Main

Room 8 Information
Room Type: Laundry
Room Dimensions: 3 x 15
Room Length: 3
Room Width: 15
Room Level: Main

Room 9 Information
Room Type: Bonus Room
Room Dimensions: 13 x 11
Room Length: 13
Room Width: 11
Room Level: Lower

Room 10 Information
Room Type: Bonus Room
Room Dimensions: 12 x 13
Room Length: 12
Room Width: 13
Room Level: Lower

Room 11 Information
Room Type: Recreation Room
Room Dimensions: 9 x 40
Room Length: 9
Room Width: 40
Room Level: Lower

Basement Information
Has Basement
Basement Features: Crawl Space, Egress Window, Partially Finished, Radon Mitigation

Other Rooms Information
Room Count: 11
# of Rooms: 3

Fireplace Information
Has Fireplace
# of Fireplaces: 1
Fireplace Features: Living Room

Heating & Cooling
Heating Information: Forced Air, Electric
Cooling Information: Central Air, Electric

Interior Features
Floor Plan: Primary Bed on Main
Interior Features: Kitchen/Dining Room Combo, Vaulted Ceiling(s), Breakfast Bar
Appliances: Disposal, Dryer, Electric Range, Electric Oven, Refrigerator, Washer, Electric Water Heater
Flooring: Hardwood

Exterior

Building Information
Construction Materials: Brick Veneer

Exterior Features
Patio And Porch Features: Patio

Pool Information
Pool YN: 0

Property Information
Ownership Type: Private
Property Type: Residential
Property Sub Type: Single Family Residence
Other Structures: Shed(s)
Above Grade Finished Area: 1,582
Above Grade Finished Area Units: Square Feet
Above Grade Finished Area Source: Assessor
Below Grade Finished Area: 840
Below Grade Finished Area Units: Square Feet
Below Grade Finished Area Source: Assessor

Lot Information
Lot Features: Corner Lot
Lot Size Area: 0.3
Lot Size Units: Acres
Lot Size Acres: 0.3
Lot Size Dimensions: 100 x 130
Lot Size Source: Public Records
Lot Size Area Unknown YN: 0
Road Surface Type: Concrete

Financial

Tax Information
Tax Annual Amount: $3,557
Tax Annual Amount Description: Persons with Disabilities,Homestead Senior,Owner Occupied
Tax Year: 2023
Property Assessment City Tax YN: 1

Lease / Rent Details
Existing Sub Lease YN: 0

Financial Information
Second Mortgage YN: 0

Utilities

Utility Information
Water Source: Public
Sewer: Public Sewer
Utilities: Natural Gas Available

Location

Multi-Unit Information
Unit Count: 0

HOA Information
Association Fee Frequency: None
Association Fee Includes: Other

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
Directions: Google , Waze, or Apple maps leads to the house
Cross Street: Kevin St
Address Line: 20 Richard ST, WTRL IL 62298

Public facts

Beds: 3
Baths: 3.0
Sq. Ft.: 1,582
Stories: 1.0
Lot Size: 0.3 acres
Style: Single Family Residential
Year Built: 1994
Year Renovated: 1994
County: Monroe County
APN: 07-13-152-004-000

Home facts updated by county records on Aug 26, 2026

Other

Listing Information
Transaction Type: Sale
Possible Buyer Fees YN: 0
Seller Consider Concession YN: 1
Seller Paid Repairs Amount: 3157.16

Home Information
Living Area: 1582
Living Area Units: Square Feet
Living Area Source: Assessor
Living Area Srch Sq Ft: 1582.00
Living Area Unknown YN: 0
Above Grade Finished Area Srch Sq Ft: 1582.00
Below Grade Finished Area Srch Sq Ft: 840.00
Levels: One

Around this home

Schools

W J Zahnow Elementary School

Public PreK-1 • Assigned • 1.6mi

Waterloo Junior High School

Public 6-8 • Assigned • 1.7mi

7/10

Waterloo High School

Public 9-12 • Assigned • 3.3mi

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, 21 days in 30 years

2/10 Wind Factor

1% chance of strong winds in next 30 years

2/10 Air Factor

0 unhealthy days expected this year, 2 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

$301,000 – $364,000

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Home values near 20 Richard St

Data from public records.

Address	Redfin Estimate
18 Richard St, Waterloo, IL 3 Beds \| 2 Baths \| 1352 Sq. Ft.	$287,608
26 Richard St, Waterloo, IL 2 Beds \| 2 Baths \| 1064 Sq. Ft.	$217,248

Address	Redfin Estimate
16 Richard St, Waterloo, IL 3 Beds \| 3 Baths \| 2410 Sq. Ft.	$334,974
19 Richard St, Waterloo, IL 3 Beds \| 3 Baths \| 2044 Sq. Ft.	$285,662

Address	Redfin Estimate
12 Richard St, Waterloo, IL 3 Beds \| 2 Baths \| 2028 Sq. Ft.	$285,214
15 Richard St, Waterloo, IL 2 Beds \| 2 Baths \| 1212 Sq. Ft.	$251,235

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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GreatSchools Ratings provided by GreatSchools.org.

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About this home

Redfin Estimate

Earn from this home

Market trends in 62298, IL

Sale history for 20 Richard St

Tax history for 20 Richard 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 20 Richard St

More real estate resources