OFF MARKET

Last listed at $239,900, CLOSED ON Oct 2014

$455,279

•

3,328

sq ft

646 E Fourth St E, Waterloo, IL 62298

About this home

Great fishing hole and lake privileges are just one of the amazing perks of this stunning home in Waterloo. The spacious family room with brand new carpet, brick wood fireplace, and vaulted ceilings reaching into the formal dining room with column accents. Loads of cabinetry, tons of prep space on the granite counter tops, built in oven, pantry and attached breakfast nook with doors leading to the expansive back deck can all be found in this wonderful kitchen. Master suite with walk in closet, Jacuzzi tub, and separate shower is an ideal retreat. On the main level you will also find two additional large bedrooms and a full bathroom. Lower level features a cavernous family room, versatile game room, fourth bedroom, laundry room, and full bathroom. This beautiful 1.83 park like acre lot with expansive back deck and covered patio makes this every entertainers dream home! Central vac, attic fan, new hot water heater, new roof in 2012, and so many other amenities this home won't last long!

Single-familyProperty Type

1989Year Built

1.83 acresLot Size

$137Est. Price/Sq.Ft.

4 car garageParking

Listed by Linda Frierdich • Century 21 Advantage

Bought with Angela Brislin • Century 21 Advantage

Redfin checked: 2 minutes ago

•Source:MARIS as Distributed by MLS Grid #4307745

Redfin Estimate

$455,279

$215K over list price of $240K

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 0.1% lower than the average sale price ($456K) of 6 comparable homes.

SOLD JUL 1, 2026
$385,000
A
5 beds3.5 baths3,117 sq ft
106 Brookshire Ct, Waterloo, IL 62298
SOLD MAY 8, 2026
$675,000
B
4 beds3.5 baths3,950 sq ft
5542 Wildwood Dr, Waterloo, IL 62298
SOLD JAN 20, 2026
$320,000
C
4 beds3 baths3,426 sq ft
312 Wedgewood Dr, Waterloo, IL 62298
SOLD MAY 8, 2026
$349,900
D
3 beds3 baths3,281 sq ft
101 Adams Dr, Waterloo, IL 62298
SOLD JUL 31, 2026
$629,900
E
4 beds3.5 baths5,124 sq ft
823 Ridge Rd, Waterloo, IL 62298
SOLD JUL 23, 2026
$375,000
F
4 beds3 baths3,014 sq ft
421 Hartmann Ln, Waterloo, IL 62298

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Earn from this home

Sell

$427,061

Est. take-home

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Rent

$1,705/mo

Redfin rental estimate

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Market trends in 62298, IL

Last updated July 2026

Buyer's Market

Seller's Market

Seller's market

Sale-to-List Price

97.5%

2.0% MoM

Median sale price

$311K

$19K MoM

Avg. days on market

47d

2 days MoM

Recently sold homes

10 MoM

New listings for sale

FOR SALE BY OWNER
$499,900
3 beds3 baths1,932 sq ft
207 Vancouver Dr, Waterloo, IL 62298
$485,000
3 beds3 baths2,534 sq ft
6730 Cardinal Dr, Waterloo, IL 62298
$898,000
4 beds3.5 baths4,100 sq ft
600 Covington Dr, Waterloo, IL 62298
$111,000
1 bed1 bath777 sq ft
319 S Main St, Waterloo, IL 62298
$225,000
3 beds2.5 baths1,852 sq ft
610 Laurel Dr, Waterloo, IL 62298
See all

Provided by Redfin

Sale history for 646 E Fourth St E

Year

Property tax

Land + Additions

Assessment*

2025

$7,202 (+3.3%)

$14,420 + $111,280

$125,700

2024

$6,975 (+11.0%)

$14,420 + $111,280

$125,700

2023

$6,283 (−0.8%)

$15,229 + $110,542

$125,771

2022

$6,336 (+1.5%)

$14,420 + $93,720

$108,140

2021

$6,242 (+13.0%)

$14,420 + $92,890

$107,310

2020

$5,523 (−2.3%)

$14,420 + $89,030

$103,450

2019

$5,652 (−0.1%)

$14,420 + $75,230

$89,650

2018

$5,659 (+2.0%)

$14,420 + $76,160

$90,580

2017

$5,550 (+1.3%)

$14,420 + $73,680

$88,100

2016

$5,480 (+8.3%)

$17,350 + $71,440

$88,790

2015

$5,062 (−1.3%)

$17,350 + $71,440

$88,790

2014

$5,130 (+5.2%)

$11,670 + $71,570

$83,240

2013

$4,877

$11,670 + $71,690

$83,360

Tax history for 646 E Fourth St E

Year

Property tax

Land + Additions

Assessment*

2025

$7,202 (+3.3%)

$14,420 + $111,280

$125,700

2024

$6,975 (+11.0%)

$14,420 + $111,280

$125,700

2023

$6,283 (−0.8%)

$15,229 + $110,542

$125,771

2022

$6,336 (+1.5%)

$14,420 + $93,720

$108,140

2021

$6,242 (+13.0%)

$14,420 + $92,890

$107,310

2020

$5,523 (−2.3%)

$14,420 + $89,030

$103,450

2019

$5,652 (−0.1%)

$14,420 + $75,230

$89,650

2018

$5,659 (+2.0%)

$14,420 + $76,160

$90,580

2017

$5,550 (+1.3%)

$14,420 + $73,680

$88,100

2016

$5,480 (+8.3%)

$17,350 + $71,440

$88,790

2015

$5,062 (−1.3%)

$17,350 + $71,440

$88,790

2014

$5,130 (+5.2%)

$11,670 + $71,570

$83,240

2013

$4,877

$11,670 + $71,690

$83,360

*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

1.83 Acres

Year renovated

1989

Sq. Ft.

1,848

Year built

1989

Style

Single Family Residential

County

Monroe County

APN

08-29-101-001-000

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Aug 26, 2026.

Single-Family Residential District

The Single-Family Residential Districts of Monroe County, as differentiated herein, and the district locations as depicted on the Monroe County Zone District map, reflect the wide variety of physical and social characteristics found in Monroe County, 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 or planned community facilities and social needs of the County

Permitted uses

Include but are not limited to:

Housing-Single unit
Public service
Housing-Mobile home park

Property details

Parking

Parking Information
Parking Total: 4
Parking Features: Attached, Garage, Detached
Garage Spaces: 4
Has Attached Garage
Has Garage

Interior

Virtual Tour

Bedroom Information
# of Bedrooms: 4
# of Bedrooms Main: 3
Main And Upper Level Bedrooms: 3
Upper Level Bedrooms: 0
Lower Level Bedrooms: 1

Bathroom Information
# of Full Baths (Total): 3
Main Level Bathrooms Full: 1

Room 1 Information
Room Length: 12
Room Width: 11
Room Level: Main

Room 2 Information
Room Type: Dining Room
Room Length: 10
Room Width: 13
Room Level: Main

Room 3 Information
Room Type: Living Room
Room Length: 15
Room Width: 21
Room Level: Main

Room 4 Information
Room Description: Breakfast Nook
Room Length: 13
Room Width: 20
Room Level: Lower

Room 5 Information
Room Description: Breakfast Nook
Room Length: 5
Room Width: 11
Room Level: Lower

Room 6 Information
Room Length: 13
Room Width: 15
Room Level: Lower

Room 7 Information
Room Description: Breakfast Nook
Room Length: 10
Room Width: 11
Room Level: Main

Room 8 Information
Room Type: Family Room
Room Length: 22
Room Width: 24
Room Level: Lower

Room 9 Information
Room Length: 16
Room Width: 12
Room Level: Main

Room 10 Information
Room Length: 11
Room Width: 12
Room Level: Main

Room 11 Information
Room Type: Kitchen
Room Length: 10
Room Width: 16
Room Level: Main

Room 12 Information
Room Description: Breakfast Nook
Room Length: 10
Room Width: 8
Room Level: Main

Basement Information
Has Basement
Basement Features: Full, Walk-Out Access

Other Rooms Information
Room Count: 12

Fireplace Information
Has Fireplace
# of Fireplaces: 2

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

Interior Features
Interior Features: Central Vacuum
Appliances: Dishwasher, Disposal, Down Draft, Cooktop, Microwave, Refrigerator

Exterior

Building Information
Roof: Asphalt, Shingle

Exterior Features
Patio And Porch Features: Deck, Patio

Pool Information
Pool YN: 0

Waterfront Information
On Waterfront
Waterfront Features: Lake

Property Information
Property Type: Residential
Property Sub Type: Single Family Residence
Above Grade Finished Area: 1,848
Above Grade Finished Area Units: Square Feet
Below Grade Finished Area: 1,480
Below Grade Finished Area Units: Square Feet

Lot Information
Lot Features: Waterfront
Lot Size Area: 1.83
Lot Size Units: Acres
Lot Size Acres: 1.83
Lot Size Dimensions: 1.83 acres
Road Surface Type: Concrete

Financial

Tax Information
Tax Annual Amount: $4,878
Tax Year: 2013

Utilities

Utility Information
Water Source: Well
Sewer: Private Sewer

Location

Multi-Unit Information
Unit Count: 0

HOA Information
Association Fee: $75
Association Fee Frequency: Annually

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: Market St- Fourth St
Address Line: 646 East FOURTH St East, Waterloo IL 62298

Public facts

Beds: 3
Baths: 4.0
Sq. Ft.: 1,848
Stories: 1.0
Lot Size: 1.83 acres
Style: Single Family Residential
Year Built: 1989
Year Renovated: 1989
County: Monroe County
APN: 08-29-101-001-000

Home facts updated by county records on Aug 26, 2026

Other

Home Information
Living Area: 3328
Living Area Units: Square Feet
Living Area Srch Sq Ft: 3328.00
Above Grade Finished Area Srch Sq Ft: 1848.00
Below Grade Finished Area Srch Sq Ft: 1480.00
Levels: One

Around this home

Schools

Gardner Elementary School

Public 4-5 • Assigned • 0.7mi

6/10

Waterloo Junior High School

Public 6-8 • Assigned • 1.0mi

7/10

Waterloo High School

Public 9-12 • Assigned • 1.5mi

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

$433,000 – $524,000

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Nearby similar homes

FOR SALE BY OWNER

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New listings for sale in 62298

FOR SALE BY OWNER

$499,900

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207 Vancouver Dr, Waterloo, IL 62298

$485,000

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Home values near 646 E Fourth St E

Data from public records.

Address	Redfin Estimate
677 East 4th St, Waterloo, IL 3 Beds \| 2 Baths \| 1148 Sq. Ft.	$284,176
628 East 4th St, Waterloo, IL 4 Beds \| 5 Baths \| 2410 Sq. Ft.	$694,491

Address	Redfin Estimate
616 East 4th St, Waterloo, IL 3 Beds \| 3 Baths \| 1120 Sq. Ft.	$269,666
634 East 4th St, Waterloo, IL 3 Beds \| 2 Baths \| 1942 Sq. Ft.	$333,541

Address	Redfin Estimate
604 East 4th St, Waterloo, IL 3 Beds \| 1.5 Baths \| 1232 Sq. Ft.	$263,990
617 East 4th St, Waterloo, IL 3 Beds \| 3 Baths \| 2117 Sq. Ft.	$448,633

Property information provided by MARIS as Distributed by MLS Grid when last listed in 2014. 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 646 E Fourth St E

Tax history for 646 E Fourth St E

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 646 E Fourth St E

More real estate resources