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.
Coming soon
Listed by: Strano & Associates
$150,000
539 S Main St, Waterloo, IL 62298
2beds
1,410sqft
Single Family Residence
Built in 1938
5,662 Square Feet Lot
$-- Zestimate®
$106/sqft
$-- HOA
What's special
- 19 hours |
- 196 |
- 10 |
Zillow last checked:
Listing updated:
Listed by:
Stacey Lacroix 618-407-4156,
Strano & Associates
Source: MARIS,MLS#: 26038212
Originating MLS: Southwestern Illinois Board of REALTORS
Originating MLS: Southwestern Illinois Board of REALTORSFacts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 1
- Main level bedrooms: 2
Bedroom
- Description: off kitchen
- Features: Floor Covering: Carpeting
- Level: Main
- Area: 132
- Dimensions: 12x11
Bedroom 2
- Features: Floor Covering: Carpeting
- Level: Main
- Area: 132
- Dimensions: 11x12
Bathroom
- Features: Floor Covering: Vinyl
- Level: Main
- Area: 40
- Dimensions: 8x5
Bathroom 2
- Features: Floor Covering: Carpeting
- Level: Basement
- Area: 24
- Dimensions: 4x6
Breakfast room
- Features: Floor Covering: Carpeting
- Level: Main
- Area: 120
- Dimensions: 10x12
Family room
- Features: Floor Covering: Carpeting
- Level: Basement
- Area: 242
- Dimensions: 22x11
Kitchen
- Features: Floor Covering: Vinyl
- Level: Main
- Area: 120
- Dimensions: 12x10
Laundry
- Level: Basement
- Area: 176
- Dimensions: 16x11
Living room
- Features: Floor Covering: Carpeting
- Level: Main
- Area: 253
- Dimensions: 11x23
Heating
- Radiant
Cooling
- Central Air
Appliances
- Included: Dishwasher, Free-Standing Gas Range, Refrigerator
- Laundry: In Basement
Features
- Breakfast Bar, Eat-in Kitchen
- Flooring: Carpet, Vinyl
- Basement: Partially Finished,Full
- Has fireplace: No
Interior area
- Total structure area: 1,410
- Total interior livable area: 1,410 sqft
- Finished area above ground: 968
- Finished area below ground: 492
Video & virtual tour
Property
Parking
- Total spaces: 2
- Parking features: Garage, Off Street
- Garage spaces: 2
Features
- Levels: One
- Patio & porch: Patio
Lot
- Size: 5,662 Square Feet
- Dimensions: 36 x 125 x 61 x 129
- Features: Back Yard, Few Trees
Details
- Parcel number: 0725433026000
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subtype: Single Family Residence
Materials
- Vinyl Siding
- Roof: Shingle
Condition
- Year built: 1938
Utilities & green energy
- Electric: Other
- Sewer: Public Sewer
- Water: Public
- Utilities for property: Sewer Connected, Water Connected
Community & HOA
Community
- Subdivision: Louis H Osterhages Sub
HOA
- Has HOA: No
Location
- Region: Waterloo
Financial & listing details
- Price per square foot: $106/sqft
- Tax assessed value: $126,630
- Annual tax amount: $1,987
- Date on market: 6/18/2026
- Listing terms: Cash,Conventional
- Ownership: Private
Estimated market value
Not available
Estimated sales range
Not available
Not available
Price history
Price history is unavailable.
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $1,988 +1.3% | $42,210 +0.5% |
| 2023 | $1,962 -4% | $41,990 -2.5% |
| 2022 | $2,044 | $43,080 +5.4% |
| 2021 | -- | $40,870 +8.1% |
| 2020 | -- | $37,810 0% |
| 2019 | -- | $37,820 +4.7% |
| 2018 | $1,710 | $36,110 -1.8% |
| 2017 | $1,710 | $36,770 +0.7% |
| 2016 | $1,710 -9.9% | $36,530 -7.8% |
| 2015 | $1,898 +20.9% | $39,600 +11.3% |
| 2014 | $1,570 | $35,590 +0.6% |
| 2012 | $1,570 | $35,380 -5.7% |
| 2011 | -- | $37,500 -0.6% |
| 2010 | -- | $37,740 +5.2% |
| 2009 | -- | $35,880 +3.3% |
| 2008 | -- | $34,730 +0.5% |
| 2007 | -- | $34,570 |
Find assessor info on the county website
Monthly payment
Est. payment$--/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
- 6/10Gardner Elementary SchoolGrades: 4-5Distance: 0.6 mi
- 7/10Waterloo Junior High SchoolGrades: 6-8Distance: 0.8 mi
- 6/10Waterloo High SchoolGrades: 9-12Distance: 0.9 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
- 539 S Main St
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