OFF MARKET

Last listed at $265,000, CLOSED ON Nov 2023

$299,255

Est. refi paymentEst. refi $2,103/mo

•

1,887

sq ft

401 S Market St, Waterloo, IL 62298

About this home

STUNNING 1908 historic home combines historic beauty & modern conveniences. Built just after the turn of the century & completely remodeled down to the studs just before the next, this home just oozes CHARM. Warm & inviting front to back, top to bottom. Lovely front porch w/covered back porch. Fenced yard w/access to a climate controlled 2 car workshop w/full front porch & alley access. Custom mill work a& arched doorways. kitchen has ceramic tile, custom cabinets, Cambria counters, butcher block island & covered deck access. Huge dining room w/ high ceilings. Living room w/wood fireplace flanked by custom built ins. High ceilings make the rooms feel large & bright. Main floor w/full bath - walk in shower. Upstairs a huge landing w/plenty of space for home office/study/rec/play areas. Vaulted upper ceilings(some 12') create a spacious feel. Large upper bath w/walk in shower & extra deep soaking tub. Basement historic cellar has new furnace and storage. This home will not disappoint!

Single-familyProperty Type

1906Year Built

7,706 sq ftLot Size

$159Est. Price/Sq.Ft.

2 car garageParking

Listed by Tammy Hines • Tammy Mitchell Hines & Co.

Bought with Monica Schmidt • eXp Realty

Redfin checked: 3 minutes ago

•Source:MARIS as Distributed by MLS Grid #23057947

Redfin Estimate

$299,255

$34K over list price of $265K

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 38.5% higher than the average sale price ($216K) 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 AUG 17, 2026
$236,000
B
3 beds2 baths1,600 sq ft
608 S Church St, Waterloo, IL 62298
SOLD JUL 27, 2026
$179,900
C
3 beds2 baths1,596 sq ft
108 Rau Street St, Waterloo, IL 62298
SOLD JUL 31, 2026
$189,900
D
3 beds2 baths1,470 sq ft
203 E Mill St, Waterloo, IL 62298
SOLD JUN 1, 2026
$249,900
E
3 beds2.5 baths2,090 sq ft
308 Walnut St, Waterloo, IL 62298

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Earn from this home

Sell

$279,993

Est. take-home

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Refinance

Est. cash available

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Rent

$1,382/mo

Redfin rental estimate

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Market trends in 62298, IL

Last updated August 2026

Buyer's Market

Seller's Market

Seller's market

Sale-to-List Price

98.0%

+0.2% MoM

Median sale price

$337K

$5K MoM

Avg. days on market

46d

1 days MoM

Recently sold homes

5 MoM

New listings for sale

NEW 4 HRS AGO
$314,900
3 beds2.5 baths1,765 sq ft
112 Jefferson, Waterloo, IL 62298
OPEN SUN, 11AM TO 1PM
$339,500
3 beds2.5 baths2,971 sq ft
214 Osterhage Dr, Waterloo, IL 62298
COMING SOON
$925,000
6 beds4.5 baths5,900 sq ft
324 Druscilla Ln, Waterloo, IL 62298
COMING SOON
$389,000
4 beds3 baths3,144 sq ft
1307 Rachael Ln, Waterloo, IL 62298
FOR SALE BY OWNER
$1,375,000
— beds— baths— sq ft
Rogers St, Waterloo, IL 62298
OPEN SAT, 11AM TO 1PM
$199,900
3 beds1 bath1,121 sq ft
309 N Moore St, Waterloo, IL 62298
OPEN SUN, 2:30PM TO 4PM
$525,000
4 beds3 baths2,540 sq ft
910 Taylor Dr, Waterloo, IL 62298
$638,000
3 beds4 baths3,406 sq ft
4176 State Route 156, Waterloo, IL 62298
FOR SALE BY OWNER
$795,000
5 beds5 baths1,895 sq ft
207 Links Ln, Waterloo, IL 62298
FOR SALE BY OWNER
$46,900
Studio— baths— sq ft
124 Kurken Dr, Waterloo, IL 62298
See all

Provided by Redfin

Sale history for 401 S Market St

Year

Property tax

Land + Additions

Assessment*

2025

$4,074 (+6.4%)

$16,130 + $56,380

$72,510

2024

$3,827 (+7.2%)

$16,130 + $56,380

$72,510

2023

$3,571 (−0.7%)

$15,873 + $54,780

$70,653

2022

$3,597 (+8.1%)

$14,740 + $48,060

$62,800

2021

$3,329 (+2.7%)

$15,000 + $47,440

$62,440

2020

$3,240 (+103.0%)

$10,300 + $46,810

$57,110

2019

$1,596 (−49.1%)

$10,300 + $44,140

$54,440

2018

$3,136 (+3.3%)

$10,300 + $42,820

$53,120

2017

$3,035 (+4.0%)

$7,990 + $42,910

$50,900

2016

$2,919 (−2.0%)

$6,750 + $42,910

$49,660

2015

$2,977 (−0.4%)

$6,750 + $42,910

$49,660

2014

$2,990 (−3.0%)

$7,860 + $43,020

$50,880

2013

$3,083

$7,860 + $46,410

$54,270

Tax history for 401 S Market St

Year

Property tax

Land + Additions

Assessment*

2025

$4,074 (+6.4%)

$16,130 + $56,380

$72,510

2024

$3,827 (+7.2%)

$16,130 + $56,380

$72,510

2023

$3,571 (−0.7%)

$15,873 + $54,780

$70,653

2022

$3,597 (+8.1%)

$14,740 + $48,060

$62,800

2021

$3,329 (+2.7%)

$15,000 + $47,440

$62,440

2020

$3,240 (+103.0%)

$10,300 + $46,810

$57,110

2019

$1,596 (−49.1%)

$10,300 + $44,140

$54,440

2018

$3,136 (+3.3%)

$10,300 + $42,820

$53,120

2017

$3,035 (+4.0%)

$7,990 + $42,910

$50,900

2016

$2,919 (−2.0%)

$6,750 + $42,910

$49,660

2015

$2,977 (−0.4%)

$6,750 + $42,910

$49,660

2014

$2,990 (−3.0%)

$7,860 + $43,020

$50,880

2013

$3,083

$7,860 + $46,410

$54,270

*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

1.5

Lot width

—

Lot depth

—

Lot size

7,706 Sq. Ft.

Year renovated

1906

Sq. Ft.

1,078

Year built

1906

Style

Single Family Residential

County

Monroe County

APN

07-25-284-017-000

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
Covered Spaces: 2
Parking Total: 0
Parking Features: Detached
Garage Spaces: 2
Carport Spaces: 0
Has Garage

Interior

Virtual Tour

Bedroom Information
# of Bedrooms: 3
# of Bedrooms Main: 0

Bathroom Information
# of Full Baths (Total): 2
# of Main Level Bathrooms (Total): 1
# of Main and Upper Bathrooms: 2
Main Level # of Full Bathrooms: 1

Room 1 Information
Room Type: Living Room
Room Dimensions: 15x14
Room Length: 15
Room Width: 14
Room Level: Main

Room 2 Information
Room Type: Dining Room
Room Dimensions: 14x12
Room Length: 14
Room Width: 12
Room Level: Main

Room 3 Information
Room Type: Breakfast Room
Room Dimensions: 10x9
Room Length: 10
Room Width: 9
Room Level: Main

Room 4 Information
Room Type: Kitchen
Room Dimensions: 13x12
Room Length: 13
Room Width: 12
Room Level: Main

Room 5 Information
Room Type: Hearth Room
Room Dimensions: 18x13
Room Length: 18
Room Width: 13
Room Level: Main

Room 6 Information
Room Type: Bathroom
Room Dimensions: 7x7
Room Length: 7
Room Width: 7
Room Level: Main

Room 7 Information
Room Type: Bathroom
Room Dimensions: 12x9
Room Length: 12
Room Width: 9
Room Level: Upper

Room 8 Information
Room Type: Master Bedroom
Room Dimensions: 17x14
Room Length: 17
Room Width: 14
Room Level: Upper

Room 9 Information
Room Type: Bedroom
Room Dimensions: 13x11
Room Length: 13
Room Width: 11
Room Level: Upper

Room 10 Information
Room Type: Bedroom
Room Dimensions: 14x14
Room Length: 14
Room Width: 14
Room Level: Upper

Room 11 Information
Room Type: Bonus Room
Room Dimensions: 20x16
Room Length: 20
Room Width: 16
Room Level: Upper

Room 12 Information
Room Type: Storage
Room Dimensions: 13x11
Room Length: 13
Room Width: 11
Room Level: Lower

Room 13 Information
Room Type: Storage
Room Dimensions: 26x12
Room Length: 26
Room Width: 12
Room Level: Lower

Room 14 Information
Room Type: Storage
Room Dimensions: 13x12
Room Length: 13
Room Width: 12
Room Level: Lower

Basement Information
Has Basement
Basement Features: Full, Unfinished

Other Rooms Information
# of Rooms: 14

Fireplace Information
Has Fireplace
# of Fireplaces: 1
Fireplace Features: Woodburning Fireplce

Heating & Cooling
Has Heating
Heating Information: Forced Air
Cooling Information: Electric

Interior Features
Interior Features: Bookcases, High Ceilings, Historic/Period Mlwk, Special Millwork, Vaulted Ceiling, Some Wood Floors
Window Features: Some Insulated Wndws
Appliances: Dishwasher, Disposal, Microwave, Range, Refrigerator

Exterior

Building Information
Construction Materials: Vinyl Siding

Property Information
Ownership Type: Private
Property Type: Residential
Property Sub Type: Residential
Other Structures: Workshop
Above Grade Finished Area: 1,887
Above Grade Finished Area Source: Other
Below Grade Finished Area Source: Other

Lot Information
Lot Features: Fencing, Level Lot
Lot Size Acres: 0.1769
Lot Size Dimensions: 0.18
Lot Size Source: County Records

Financial

Tax Information
Tax Annual Amount: $3,329
Tax Year: 2021

Utilities

Utility Information
Water Source: Public
Sewer: Public Sewer

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

Public facts

Beds: 3
Baths: 3.0
Sq. Ft.: 1,078
Stories: 1.5
Lot Size: 7,706 square feet
Style: Single Family Residential
Year Built: 1906
Year Renovated: 1906
County: Monroe County
APN: 07-25-284-017-000

Home facts updated by county records on Aug 26, 2026

Other

Listing Date Information
Expected Active Date: Wednesday, September 27, 2023

Home Information
Living Area: 1887
Levels: One and One Half

Around this home

Schools

Gardner Elementary School

Public 4-5 • Assigned • 0.4mi

6/10

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

$285,000 – $345,000

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New listings for sale in 62298

NEW 4 HRS AGO

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OPEN SUN, 11AM TO 1PM

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214 Osterhage Dr, Waterloo, IL 62298

COMING SOON

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COMING SOON

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FOR SALE BY OWNER

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— beds— baths— sq ft

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OPEN SAT, 11AM TO 1PM

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OPEN SUN, 2:30PM TO 4PM3D WALKTHROUGH

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Home values near 401 S Market St

Data from public records.

Address	Redfin Estimate
407 South Market St, Waterloo, IL 4 Beds \| 3 Baths \| 1312 Sq. Ft.	$232,505
404 South Market St, Waterloo, IL 5 Beds \| 2 Baths \| 1950 Sq. Ft.	$264,975

Address	Redfin Estimate
309 South Market St, Waterloo, IL 4 Beds \| 1 Baths \| 1652 Sq. Ft.	$151,448
400 South Market St, Waterloo, IL 2 Beds \| 2 Baths \| 936 Sq. Ft.	$181,392

Address	Redfin Estimate
306 South Market St, Waterloo, IL 3 Beds \| 2 Baths \| 1413 Sq. Ft.	$235,341
403 South Market St, Waterloo, IL 2 Beds \| 1 Baths \| 1260 Sq. Ft.	$217,995

Property information provided by MARIS as Distributed by MLS Grid when last listed in 2023. 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 401 S Market St

Tax history for 401 S Market 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 401 S Market St

More real estate resources