OFF MARKET

Last listed at $249,900, CLOSED ON Apr 2024

$267,552

Est. refi paymentEst. refi $1,761/mo

•

1,817

sq ft

403 S Church St, Waterloo, IL 62298

About this home

Charming bungalow home nestled in the heart of downtown Waterloo! Prepare to be captivated by the character of this 3-bedroom, 2-full-bathroom residence. As you approach the home, you'll be drawn to the inviting covered front porch, perfect for savoring your morning coffee or watching summer thunderstorms roll in. Inside, you'll discover numerous updates while still retaining its original charm. The main floor boasts a cozy living room and dining area flowing seamlessly into the kitchen, which offers ample cabinet space. Completing the main level is a full bathroom and a spacious bedroom. Venture upstairs to find two additional bedrooms, each equipped with its own window unit to complement the central AC. Downstairs, a family room and another full bathroom await, along with an unfinished area for storage. Head out into the backyard and discover a covered deck and mature trees, creating a peaceful atmosphere for your outdoor area. OPEN HOUSE 3/15 FROM 5-7 PM AND 3/16 FROM 11 AM - 1 PM.

Single-familyProperty Type

1945Year Built

6,970 sq ftLot Size

$147Est. Price/Sq.Ft.

Listed by Monica Schmidt • eXp Realty

Bought with Jena Gibbs • eXp Realty

Redfin checked: a minute ago

•Source:MARIS as Distributed by MLS Grid #24015299

Redfin Estimate

$267,552

$18K over list price of $250K

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 31.1% higher than the average sale price ($204K) 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 27, 2026
$179,900
B
3 beds2 baths1,596 sq ft
108 Rau Street St, Waterloo, IL 62298
SOLD AUG 17, 2026
$236,000
C
3 beds2 baths1,600 sq ft
608 S Church St, Waterloo, IL 62298
SOLD MAY 7, 2026
$229,900
D
3 beds2 baths1,829 sq ft
705 Leo St, Waterloo, IL 62298
SOLD JUL 14, 2026
$150,000
E
2 beds2 baths1,410 sq ft
539 S Main St, Waterloo, IL 62298

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Earn from this home

Sell

$250,110

Est. take-home

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Refinance

Est. cash available

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Rent

$1,376/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
$395,000
2 beds1 bath1,474 sq ft
4878 Sportsman Rd, Waterloo, IL 62298
NEW 24 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
See all

Provided by Redfin

Sale history for 403 S Church St

Year

Property tax

Land + Additions

Assessment*

2025

$3,417 (+2.8%)

$15,990 + $45,760

$61,750

2024

$3,325 (+16.4%)

$15,990 + $45,760

$61,750

2023

$2,855 (−1.1%)

$15,746 + $46,426

$62,172

2022

$2,888 (+14.9%)

$14,650 + $36,730

$51,380

2021

$2,512 (+1.2%)

$14,910 + $36,400

$51,310

2020

$2,483 (−5.1%)

$9,600 + $34,970

$44,570

2019

$2,615 (+2.1%)

$9,600 + $33,500

$43,100

2018

$2,561 (+3.2%)

$9,600 + $34,980

$44,580

2017

$2,482 (+5.2%)

$7,530 + $35,090

$42,620

2016

$2,360 (+0.6%)

$6,160 + $35,140

$41,300

2015

$2,347 (+8.3%)

$6,160 + $35,140

$41,300

2014

$2,167 (+2.0%)

$7,150 + $34,230

$41,380

2013

$2,124

$7,150 + $32,110

$39,260

Tax history for 403 S Church St

Year

Property tax

Land + Additions

Assessment*

2025

$3,417 (+2.8%)

$15,990 + $45,760

$61,750

2024

$3,325 (+16.4%)

$15,990 + $45,760

$61,750

2023

$2,855 (−1.1%)

$15,746 + $46,426

$62,172

2022

$2,888 (+14.9%)

$14,650 + $36,730

$51,380

2021

$2,512 (+1.2%)

$14,910 + $36,400

$51,310

2020

$2,483 (−5.1%)

$9,600 + $34,970

$44,570

2019

$2,615 (+2.1%)

$9,600 + $33,500

$43,100

2018

$2,561 (+3.2%)

$9,600 + $34,980

$44,580

2017

$2,482 (+5.2%)

$7,530 + $35,090

$42,620

2016

$2,360 (+0.6%)

$6,160 + $35,140

$41,300

2015

$2,347 (+8.3%)

$6,160 + $35,140

$41,300

2014

$2,167 (+2.0%)

$7,150 + $34,230

$41,380

2013

$2,124

$7,150 + $32,110

$39,260

*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

7,056 Sq. Ft.

Year renovated

1945

Sq. Ft.

924

Year built

1945

Style

Single Family Residential

County

Monroe County

APN

07-25-406-018-000

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: 0
Parking Features: Off Street
Carport Spaces: 0

Interior

Bedroom Information
# of Bedrooms: 3
# of Bedrooms Main: 1

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

Room 1 Information
Room Type: Living Room
Room Level: Main

Room 2 Information
Room Type: Dining Room
Room Level: Main

Room 3 Information
Room Type: Kitchen
Room Level: Main

Room 4 Information
Room Type: Bathroom
Room Level: Main

Room 5 Information
Room Type: Bedroom
Room Level: Main

Room 6 Information
Room Type: Bedroom
Room Level: Upper

Room 7 Information
Room Type: Bedroom
Room Level: Upper

Room 8 Information
Room Type: Family Room
Room Level: Lower

Room 9 Information
Room Type: Bathroom
Room Level: Lower

Basement Information
Has Basement
Basement Features: Bathroom in LL, Full, Rec/Family Area, Sump Pump

Other Rooms Information
# of Rooms: 8

Fireplace Information
Fireplace Features: None

Heating & Cooling
Has Heating
Heating Information: Forced Air
Cooling Information: Wall/Window Unit(s), Electric

Interior Features
Interior Features: Some Wood Floors
Appliances: Dishwasher, Microwave, Electric Oven, Refrigerator

Exterior

Building Information
Construction Materials: Vinyl Siding

Property Information
Ownership Type: Private
Property Type: Residential
Property Sub Type: Residential
Other Structures: Utility Building(s)
Above Grade Finished Area: 1,355
Above Grade Finished Area Source: Other
Below Grade Finished Area: 462
Below Grade Finished Area Source: Other

Lot Information
Lot Features: Fencing, Sidewalks
Lot Size Acres: 0.16
Lot Size Dimensions: .16
Lot Size Source: County Records

Financial

Tax Information
Tax Annual Amount: $2,888
Tax Year: 2022

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.: 924
Stories: 1.0
Lot Size: 7,056 square feet
Style: Single Family Residential
Year Built: 1945
Year Renovated: 1945
County: Monroe County
APN: 07-25-406-018-000

Home facts updated by county records on Aug 26, 2026

Other

Listing Date Information
Expected Active Date: Saturday, March 16, 2024

Home Information
Living Area: 1817
Levels: One and One Half

Around this home

Schools

Rogers Elementary School

Public 2-3 • Assigned • 0.6mi

10/10

Waterloo Junior High School

Public 6-8 • Assigned • 0.6mi

7/10

Waterloo High School

Public 9-12 • Assigned • 1.2mi

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

$255,000 – $308,000

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Nearby similar homes

NEW 4 HRS AGO

$395,000

2 beds1 bath1,474 sq ft

4878 Sportsman Rd, Waterloo, IL 62298

$299,000

3 beds3 baths1,232 sq ft

2704 Harres Ln, Columbia, IL 62236

$475,000

2 beds1.5 baths910 sq ft

5842 Saxtown Rd, Millstadt, IL 62260

OPEN SUN, 11AM TO 1PM

$439,900

3 beds2 baths1,731 sq ft

951 Forbs Dr, Waterloo, IL 62298

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5 beds3.5 baths2,520 sq ft

5025 Edinburg Ct, Columbia, IL 62236

NEW CONSTRUCTION

$709,000

4 beds3 baths3,660 sq ft

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New listings for sale in 62298

NEW 4 HRS AGO

$395,000

2 beds1 bath1,474 sq ft

4878 Sportsman Rd, Waterloo, IL 62298

NEW 24 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 4PM3D WALKTHROUGH

$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

Home values near 403 S Church St

Data from public records.

Address	Redfin Estimate
414 S Church Street, Waterloo, IL 3 Beds \| 1 Baths \| 1270 Sq. Ft.	$149,665
421 S Church Street, Waterloo, IL 3 Beds \| 1.5 Baths \| 1110 Sq. Ft.	$262,271

Address	Redfin Estimate
400 S Church Street, Waterloo, IL 4 Beds \| 1.5 Baths \| 1696 Sq. Ft.	$252,101
409 S Church Street, Waterloo, IL 2 Beds \| 1 Baths \| 1142 Sq. Ft.	$160,083

Address	Redfin Estimate
401 S Church Street, Waterloo, IL 3 Beds \| 2 Baths \| 2146 Sq. Ft.	$233,314
413 S Church Street, Waterloo, IL 3 Beds \| 2 Baths \| 888 Sq. Ft.	$160,370

Property information provided by MARIS as Distributed by MLS Grid when last listed in 2024. 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 403 S Church St

Tax history for 403 S Church 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 403 S Church St

More real estate resources