SOLD MAY 21, 2026

Closed on may 2026

$232,900

Studio

•

— ba

•

1,980

sq ft

404-406 Flower St, Waterloo, IL 62298

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About this home

Renovated in 2025, this duplex near downtown Waterloo is an ideal investment or live-in opportunity. 404 Flower Street is a 3 bedroom, 2 bathroom unit, currently leased. 406 Flower Street is a well maintained 1 bedroom, 1 bathroom unit, renovated in 2022 and is currently leased. Whether you are looking for a smart investment or a place to call home while generating income, this property delivers flexibility, convenience, and value. Proximity to downtown shops & restaurants adds to the appeal. *SOLD AS IS *Agent Related

Multi-familyProperty Type

1939Year Built

4,382 sq ftLot Size

$118Price/Sq.Ft.

2 car garageParking

Listed by Dawn Barnes • Nester Realty

Bought with Dawn Barnes • Nester Realty

Redfin checked: 2 minutes ago

•Source:MARIS as Distributed by MLS Grid #26015073

Redfin Estimate

$266,189

$33K over list price of $233K

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 26.8% higher than the average sale price ($210K) of 6 comparable homes.

SOLD AUG 3, 2026
$239,900
A
3 beds3 baths1,311 sq ft
206 Magnolia Ave, Waterloo, IL 62298
SOLD MAY 15, 2026
$265,000
B
2 beds2 baths2,088 sq ft
240 N Main 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 SEP 1, 2026
$225,000
D
3 beds2 baths1,413 sq ft
306 S Market St, Waterloo, IL 62298
SOLD MAY 20, 2026
$199,975
E
2 beds2 baths1,613 sq ft
100 Lemen St, Waterloo, IL 62298
SOLD JUL 14, 2026
$150,000
F
2 beds2 baths1,410 sq ft
539 S Main St, Waterloo, IL 62298

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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

$549,900
5 beds3.5 baths3,950 sq ft
6131 Chantilly Bnd, 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
$285,000
4 beds2 baths2,060 sq ft
210 W 4th St, Waterloo, IL 62298
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Sale and tax history for 404-406 Flower St

Sale History
Tax History

Year

Property tax

Land + Additions

Assessment*

2025

$3,869 (+6.3%)

$15,560 + $47,840

$63,400

2024

$3,638 (+6.7%)

$15,560 + $47,840

$63,400

2023

$3,411 (+1.1%)

$15,398 + $46,067

$61,465

2022

$3,374 (+15.3%)

$14,370 + $40,050

$54,420

2021

$2,926 (+3.4%)

$14,650 + $38,300

$52,950

2020

$2,830 (+2.2%)

$7,240 + $37,690

$44,930

2018

$2,769 (+2.8%)

$7,240 + $33,890

$41,130

2017

$2,693 (+5.7%)

$5,970 + $33,910

$39,880

2016

$2,548 (+14.0%)

$4,200 + $33,910

$38,110

2015

$2,234 (+5.8%)

$4,200 + $33,910

$38,110

2014

$2,111

$4,810 + $28,860

$33,670

2013

$2,111

$4,810 + $28,250

$33,060

Public record

Public record
Zoning

Beds

Baths

Stories

Lot width

—

Lot depth

—

Lot size

4,380 Sq. Ft.

Year renovated

1939

Sq. Ft.

1,802

Year built

1939

Style

Single Family Residential

County

Monroe County

APN

07-25-249-001-000

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Aug 26, 2026.

Central Business District

The Central Business District is intended to provide for areas in which pedestrian-oriented comparative shopping facilities for retail sales and services would be encouraged and inappropriate or incompatible uses would be prohibited. Refuse containers shall not be located in any required front or side yard setback area. Said containers shall be enclosed by either fencing of 6 ft in height or applicable screening.

Permitted uses

Include but are not limited to:

Community / recreation center
Bank
General retail
Restaurant
Tavern / bar / nightclub / micro-Brewery
Housing-Senior
Bed & breakfast
Office
Medical office
Theater / performing arts facility

Property details

Parking

Parking Information
Parking Features: Detached, Garage
Garage Spaces: 2
Has Garage

Interior

Bedroom Information
Main And Upper Level Bedrooms: 0

Bathroom Information
Main And Upper Level Bathrooms: 0

Basement Information
Has Basement
Basement Features: Unfinished

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

Interior Features
Appliances: Dishwasher, Microwave, Electric Range, Refrigerator

Exterior

Building Information
Construction Materials: Brick
Roof: Architectural Shingle

Pool Information
Pool YN: 0

Property Information
Ownership Type: Private
Property Type: Residential Income
Property Sub Type: 2-4 Units
Above Grade Finished Area: 1,980
Above Grade Finished Area Source: Owner
Below Grade Finished Area Source: Public Records

Lot Information
Lot Features: Back Yard, Corner Lot, Front Yard, Gentle Sloping
Lot Size Acres: 0.1006
Lot Size Source: Public Records

Financial

Tax Information
Tax Annual Amount: $3,638
Tax Annual Amount Description: No Exemptions
Tax Year: 2024
Property Assessment City Tax YN: 1

Utilities

Utility Information
Water Source: Public
Electric: Other
Utilities: Electricity Connected, Sewer Connected, Water Connected

Location

Multi-Unit Information
# of Units (Total): 2
Unit Count: 0
Number Of Units Leased: 2

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
Cross Street: Rau Street
Address Line: 404-406 Flower ST, WTRL IL 62298

Public facts

Beds: 4
Baths: 4.0
Sq. Ft.: 1,802
Stories: 1.0
Lot Size: 4,380 square feet
Style: Single Family Residential
Year Built: 1939
Year Renovated: 1939
County: Monroe County
APN: 07-25-249-001-000

Home facts updated by county records on Aug 26, 2026

Other

Listing Information
Auction YN: 0
Seller Consider Concession YN: 1

Home Information
Living Area: 1980
Living Area Source: Owner
Living Area Srch Sq Ft: 1980.00
Living Area Unknown YN: 0
Above Grade Finished Area Srch Sq Ft: 1980.00
Below Grade Finished Area Srch Sq Ft: 0.00
Public Records
Structure Type: Duplex
Levels: One and One Half

Around this home

Schools

W J Zahnow Elementary School

Public PreK-1 • Assigned • 0.6mi

Waterloo Junior High School

Public 6-8 • Assigned • 0.6mi

7/10

Waterloo High School

Public 9-12 • Assigned • 1.5mi

6/10

Provided by GreatSchools

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

92/ 100

Exceptional sunlight

Sunscore

There appears to be minimal shading by surrounding buildings, terrain, and vegetation.

10.5 hrs

6.3 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$253,000 – $307,000

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New listings for sale in 62298

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Home values near 404-406 Flower St

Data from public records.

Address	Redfin Estimate
313 Flower Street, Waterloo, IL 3 Beds \| 2 Baths \| 844 Sq. Ft.	$184,013
309 Flower Street, Waterloo, IL 2 Beds \| 2 Baths \| 810 Sq. Ft.	$201,626

Address	Redfin Estimate
315 Flower Street, Waterloo, IL 4 Beds \| 4 Baths \| 1523 Sq. Ft.	$224,915
400 Flower Street, Waterloo, IL 2 Beds \| 3 Baths \| 1928 Sq. Ft.	$212,057

Address	Redfin Estimate
311 Flower Street, Waterloo, IL 2 Beds \| 4 Baths \| 960 Sq. Ft.	$231,530
401 Flower Street, Waterloo, IL 4 Beds \| 2 Baths \| 1080 Sq. Ft.	$165,088

Property information provided by MARIS as Distributed by MLS Grid when last listed in 2026. This data may not match . Learn more.

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GreatSchools Ratings provided by GreatSchools.org.

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