Located in the highly desirable Waterloo School District, this versatile property offers space, updates, and an unbeatable setting just minutes from the heart of downtown Waterloo.
The main home features 3 bedrooms and 2 full baths with generous living areas designed for everyday comfort. Recent improvements give peace of mind, including a new roof in 2024, new sewer line in 2025, updated siding, gutters, and soffit in 2025, a Rheem A/C unit installed in 2022, and a new hot water heater in 2024. Additional updates include new windows, resurfaced tub, and beautifully renovated rear bedrooms.
Connected by a breezeway, the separate studio space includes its own private bath and roughed-in kitchen area, and laundry offering endless flexibility for guests, multi-generational living, a home office, or potential rental income.
Outside, you’ll find a large back patio, plus a 2-car garage complete with a workbench for hobbies or storage. Enjoy the convenience of being just blocks from local shops, restaurants, parks, and community events while still having the comfort of a spacious property to call home. Seller is offering a $10k credit for updates / repairs. Selling As-is.
Active under contract
Listed by: eXp Realty
Price cut: $14.5K (5/28)
$235,500
314 N Church St, Waterloo, IL 62298
4beds
2,268sqft
Single Family Residence
Built in 1946
0.39 Acres Lot
$228,700 Zestimate®
$104/sqft
$-- HOA
What's special
Large back patioBeautifully renovated rear bedroomsNew windowsResurfaced tub
- 131 days |
- 458 |
- 14 |
Zillow last checked:
Listing updated:
Listed by:
Monica Schmidt 618-567-9203,
eXp Realty
Source: MARIS,MLS#: 26007562
Originating MLS: Southwestern Illinois Board of REALTORS
Originating MLS: Southwestern Illinois Board of REALTORSFacts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 2
- Main level bedrooms: 4
Primary bedroom
- Level: Main
- Area: 286
- Dimensions: 13x22
Bedroom
- Level: Main
- Area: 156
- Dimensions: 12x13
Bedroom 2
- Level: Main
- Area: 140
- Dimensions: 10x14
Bedroom 3
- Level: Main
- Area: 195
- Dimensions: 13x15
Bathroom
- Level: Main
- Area: 40
- Dimensions: 4x10
Bathroom
- Level: Main
- Area: 48
- Dimensions: 8x6
Bonus room
- Level: Main
- Area: 625
- Dimensions: 25x25
Dining room
- Level: Main
- Area: 120
- Dimensions: 8x15
Kitchen
- Level: Main
- Area: 72
- Dimensions: 8x9
Living room
- Level: Main
- Area: 270
- Dimensions: 18x15
Mud room
- Level: Main
- Area: 117
- Dimensions: 9x13
Heating
- Forced Air
Cooling
- Central Air
Appliances
- Included: Electric Range, Washer
- Laundry: Laundry Room, Main Level
Features
- Basement: Unfinished
- Has fireplace: No
Interior area
- Total structure area: 2,268
- Total interior livable area: 2,268 sqft
- Finished area above ground: 2,268
Property
Parking
- Total spaces: 2
- Parking features: Attached, Driveway, Garage, Off Street
- Attached garage spaces: 2
- Has uncovered spaces: Yes
Features
- Levels: One
- Patio & porch: Patio
Lot
- Size: 0.39 Acres
- Features: Back Yard, Some Trees
Details
- Parcel number: 0725204004000
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence
Materials
- Vinyl Siding
Condition
- Year built: 1946
Utilities & green energy
- Electric: Other
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Electricity Connected
Community & HOA
Community
- Subdivision: A J Koenigsmark Add
HOA
- Has HOA: No
Location
- Region: Waterloo
Financial & listing details
- Price per square foot: $104/sqft
- Tax assessed value: $169,500
- Annual tax amount: $3,177
- Date on market: 2/13/2026
- Cumulative days on market: 131 days
- Listing terms: Cash,Conventional
- Electric utility on property: Yes
Estimated market value
$228,700
$217,000 - $240,000
$2,045/mo
Price history
| Date | Event | Price |
|---|---|---|
| 6/1/2026 | Contingent | $235,500$104/sqft |
Source:  MARIS #26007562 Report a problem | ||
| 5/28/2026 | Price change | $235,500-5.8%$104/sqft |
Source: MARIS #26007562 Report a problem | ||
| 3/9/2026 | Listed for sale | $250,000$110/sqft |
Source: MARIS #26007562 Report a problem | ||
| 2/17/2026 | Contingent | $250,000$110/sqft |
Source: MARIS #26007562 Report a problem | ||
| 2/13/2026 | Listed for sale | $250,000-9.1%$110/sqft |
Source: MARIS #26007562 Report a problem | ||
| 1/1/2026 | Listing removed | $274,900$121/sqft |
Source: MARIS #25046067 Report a problem | ||
| 10/23/2025 | Price change | $274,900-3%$121/sqft |
Source: MARIS #25046067 Report a problem | ||
| 9/12/2025 | Price change | $283,500-1.4%$125/sqft |
Source: MARIS #25046067 Report a problem | ||
| 7/12/2025 | Listed for sale | $287,500+139.6%$127/sqft |
Source: MARIS #25046067 Report a problem | ||
| 9/17/2021 | Sold | $120,000$53/sqft |
Source: MARIS #21057756 Report a problem | ||
| 8/19/2021 | Contingent | $120,000$53/sqft |
Source: MARIS #21057756 Report a problem | ||
| 8/17/2021 | Listed for sale | $120,000$53/sqft |
Source: MARIS #21057756 Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $3,177 +0.9% | $56,500 +0.8% |
| 2023 | $3,148 -0.3% | $56,050 +0.9% |
| 2022 | $3,158 | $55,550 +2% |
| 2021 | -- | $54,470 +4.7% |
| 2020 | -- | $52,020 +6.1% |
| 2019 | -- | $49,010 +4.9% |
| 2018 | $2,758 | $46,730 -1.8% |
| 2017 | $2,758 | $47,571 -0.2% |
| 2016 | $2,758 -2.4% | $47,670 -1.9% |
| 2015 | $2,827 -5.2% | $48,600 -7.8% |
| 2014 | $2,981 | $52,690 -2.9% |
| 2012 | $2,981 | $54,280 -1.2% |
| 2011 | -- | $54,930 |
| 2010 | -- | $54,930 +3.2% |
| 2009 | -- | $53,230 +2.9% |
| 2008 | -- | $51,730 +11.4% |
| 2007 | -- | $46,430 |
Find assessor info on the county website
Monthly payment
Est. payment$--/mo
Payment breakdown
Explore the cost of this home by adjusting the details. Changes won't be saved.All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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Climate risks
Neighborhood: 62298
Nearby schools
GreatSchools rating
- NAW J Zahnow Elementary SchoolGrades: PK-1Distance: 0.4 mi
- 7/10Waterloo Junior High SchoolGrades: 6-8Distance: 0.3 mi
- 6/10Waterloo High SchoolGrades: 9-12Distance: 1.6 mi
Schools provided by the listing agent
- Elementary: Waterloo Dist 5
- Middle: Waterloo Dist 5
- High: Waterloo
Source: MARIS. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
A local agent can set up tours, give advice and negotiate with sellers.
A local lender can help you make sure your offer is ready when you are.
- Illinois
- Monroe County
- Waterloo
- 62298
- 314 N Church St
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