SOLD JUL 14, 2026

Closed on jul 2026

$150,000

•

1,410

sq ft

539 S Main St, Waterloo, IL 62298

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About this home

Nestled in the heart of Waterloo and just a short distance to the charming downtown square, which is home to local restaurants, community events, and parades, this 2-bedroom, 2-bathroom home is full of character and waiting for its next chapter. With good bones and a layout that works, it's the perfect opportunity for a buyer ready to put their personal touch on a solid investment. The main floor features an eat-in kitchen with sliding doors that open to a sweet backyard retreat, complete with a gas grill hookup, ideal for summer evenings outdoors. Built-in hallway shelving adds a touch of character while keeping everyday life organized. Some major ticket items are already handled: enjoy peace of mind with a newer roof and hot water heater. A detached garage with an automatic opener on one side adds everyday convenience. The finished basement significantly expands your living space, offering a comfortable family room area, a half bath, and serious storage; including a refrigerator, large deep freezer, and plenty of shelving. The laundry room features a working sink for added functionality. This home has been cherished for years — and now it's ready for someone new to update it and fall in love with it all over again. Schedule your appointment today.

Single-familyProperty Type

1938Year Built

5,662 sq ftLot Size

$106Price/Sq.Ft.

2 car garageParking

Listed by Stacey Russelburg • Strano & Associates

Bought with Vicki Bedwell • eXp Realty

Redfin checked: a minute ago

•Source:MARIS as Distributed by MLS Grid #26038212

Redfin Estimate

$214,559

$65K over list price of $150K

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 4.1% higher than the average sale price ($206K) 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 MAY 20, 2026
$199,975
E
2 beds2 baths1,613 sq ft
100 Lemen 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

98.0%

+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

$369,900
4 beds2 baths2,272 sq ft
1024 W Fallen Lake Dr, Waterloo, IL 62298
$10,000
2 beds2 baths1,200 sq ft
5245 Timber Lake Dr, Waterloo, IL 62298
$399,900
4 beds4 baths2,203 sq ft
720-722 Brittany Ct, Waterloo, IL 62298
OPEN TODAY, 12PM TO 2PM
$320,000
3 beds2.5 baths2,598 sq ft
118 Osterhage Dr, Waterloo, IL 62298
COMING SOON
$215,000
3 beds1 bath1,797 sq ft
458 N Library St, Waterloo, IL 62298
OPEN TODAY, 12PM TO 2PM
$339,900
3 beds2 baths1,500 sq ft
711 Ward, Waterloo, IL 62298
OPEN SUN, 12PM TO 2PM
$385,000
4 beds2 baths2,641 sq ft
106 Elmwood St, Waterloo, IL 62298
OPEN SUN, 1PM TO 3PM
$424,900
4 beds3 baths3,644 sq ft
624 Timberline Dr, Waterloo, IL 62298
$925,000
6 beds4.5 baths5,900 sq ft
324 Druscilla Ln, Waterloo, IL 62298
See all

Provided by Redfin

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Rental estimate

Est. $1,362 per month, based on comparable rentals

Sale and tax history for 539 S Main St

Sale History
Tax History

Year

Property tax

Land + Additions

Assessment*

2025

$2,172 (+9.3%)

$15,800 + $30,340

$46,140

2024

$1,988 (+1.3%)

$15,800 + $30,340

$46,140

2023

$1,962 (−4.0%)

$15,588 + $28,990

$44,578

2022

$2,044 (+5.1%)

$14,530 + $27,460

$41,990

2021

$1,945 (+7.9%)

$14,800 + $28,280

$43,080

2020

$1,803 (−1.6%)

$8,560 + $32,310

$40,870

2019

$1,832 (+3.1%)

$8,560 + $29,250

$37,810

2018

$1,777 (+4.0%)

$8,560 + $29,260

$37,820

2017

$1,710 (+0.2%)

$6,840 + $29,270

$36,110

2016

$1,707 (−10.0%)

$5,300 + $31,230

$36,530

2015

$1,897 (+20.8%)

$5,300 + $31,230

$36,530

2014

$1,570 (+0.6%)

$6,120 + $33,480

$39,600

2013

$1,560

$6,120 + $29,310

$35,430

Public record

Public record
Zoning

Beds

Baths

Stories

Lot width

—

Lot depth

—

Lot size

5,866 Sq. Ft.

Year renovated

1938

Sq. Ft.

968

Year built

1938

Style

Single Family Residential

County

Monroe County

APN

07-25-433-026-000

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 Features: Garage, Off Street
Garage Spaces: 2
Has Garage

Interior

Virtual Tour

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): 2
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: 0
Lower Level Bathrooms Full: 1

Room 1 Information
Room Type: Kitchen
Room Dimensions: 12x10
Room Length: 12
Room Width: 10
Room Level: Main

Room 2 Information
Room Type: Breakfast Room
Room Dimensions: 10x12
Room Length: 10
Room Width: 12
Room Level: Main

Room 3 Information
Room Type: Living Room
Room Dimensions: 11x23
Room Length: 11
Room Width: 23
Room Level: Main

Room 4 Information
Room Type: Bedroom
Room Description: off kitchen
Room Dimensions: 12x11
Room Length: 12
Room Width: 11
Room Level: Main

Room 5 Information
Room Type: Bedroom 2
Room Dimensions: 11x12
Room Length: 11
Room Width: 12
Room Level: Main

Room 6 Information
Room Type: Bathroom
Room Dimensions: 8x5
Room Length: 8
Room Width: 5
Room Level: Main

Room 7 Information
Room Type: Family Room
Room Dimensions: 22x11
Room Length: 22
Room Width: 11

Room 8 Information
Room Dimensions: 4x6
Room Length: 4
Room Width: 6

Room 9 Information
Room Type: Laundry
Room Dimensions: 16x11
Room Length: 16
Room Width: 11

Laundry Room Information
Laundry Features: In Basement

Basement Information
Has Basement
Basement Features: Partially Finished, Full

Other Rooms Information
Room Count: 9
# of Rooms: 6

Heating & Cooling
Heating Information: Radiant
Cooling Information: Central Air

Interior Features
Interior Features: Breakfast Bar, Eat-in Kitchen
Appliances: Dishwasher, Free-Standing Gas Range, Refrigerator
Flooring: Carpet, Vinyl

Exterior

Building Information
Construction Materials: Vinyl Siding
Roof: Shingle

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
Above Grade Finished Area: 968
Above Grade Finished Area Source: Public Records
Below Grade Finished Area: 492
Below Grade Finished Area Source: Other

Lot Information
Lot Features: Back Yard, Few Trees
Lot Size Acres: 0.13
Lot Size Dimensions: 36x125x61x129
Lot Size Source: Public Records

Financial

Tax Information
Tax Annual Amount: $1,987
Tax Annual Amount Description: Homestead Senior,Owner Occupied
Tax Year: 2024

Utilities

Utility Information
Water Source: Public
Electric: Other
Sewer: Public Sewer
Utilities: Sewer Connected, Water 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: 539 S Main ST, WTRL IL 62298

Public facts

Beds: 2
Baths: 3.0
Sq. Ft.: 968
Stories: 1.0
Lot Size: 5,866 square feet
Style: Single Family Residential
Year Built: 1938
Year Renovated: 1938
County: Monroe County
APN: 07-25-433-026-000

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: 1410
Living Area Source: Other
Living Area Srch Sq Ft: 1410.00
Above Grade Finished Area Srch Sq Ft: 968.00
Below Grade Finished Area Srch Sq Ft: 492.00
Public Records
Levels: One

Around this home

Schools

Gardner Elementary School

Public 4-5 • Assigned • 0.6mi

6/10

Waterloo Junior High School

Public 6-8 • Assigned • 0.8mi

7/10

Waterloo High School

Public 9-12 • Assigned • 0.9mi

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

95/ 100

Exceptional sunlight

Sunscore

This home receives average direct sun exposure in Waterloo. There appears to be minimal shading by surrounding buildings, terrain, and vegetation.

10.5 hrs

6.6 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$204,000 – $247,000

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Home values near 539 S Main St

Data from public records.

Address	Redfin Estimate
526 S Main Street, Waterloo, IL 1 Beds \| 2 Baths \| 899 Sq. Ft.	$178,205
529 S Main Street, Waterloo, IL 2 Beds \| 2 Baths \| 952 Sq. Ft.	$190,703

Address	Redfin Estimate
525 S Main Street, Waterloo, IL 2 Beds \| 3 Baths \| 1329 Sq. Ft.	$200,328
522 S Main Street, Waterloo, IL 2 Beds \| 3 Baths \| 1120 Sq. Ft.	$221,849

Address	Redfin Estimate
530 S Main Street, Waterloo, IL 2 Beds \| 2 Baths \| 1355 Sq. Ft.	$195,699
524 S Main Street, Waterloo, IL 3 Beds \| 2 Baths \| 884 Sq. Ft.	$205,823

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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539 S Main St, Waterloo, IL 62298

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About this home

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Market trends in 62298, IL

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Sale and tax history for 539 S Main St

Public record

Property details

Parking

Interior

Exterior

Financial

Utilities

Location

Public facts

Other

Around this home

Schools

Climate risks

Historical weather

Sun exposure

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Home values near 539 S Main St

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