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Single Family ResidenceResidential
$106,847$139 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 89How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

102 GARDNER ST

WATERLOO, IL 62298
2
Beds
2
Baths
768 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
1966
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$107K
$96K low$118K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,038 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$49,790 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$15,850
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$33,940
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$47,978
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$149,370

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.36
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
14
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
88
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
71
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
8
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMONROE
Lot (acres)The size of the land the home sits on, from county records.0.14
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Waterloo Junior High SchoolB+
Middle · Grades 6–8 · 0.5 mi
E
W. J. Zahnow Elementary School
Elementary · Grades PK–1 · 0.7 mi
H
Waterloo High SchoolB-
High · Grades 9–12 · 1.0 mi

District: Waterloo Community Unit School District 5

Neighborhood · ZIP 62298These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.99
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.169

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.95%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.25%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.4.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.18,127
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.124 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$101,202
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$118,724
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.41 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

102 Gardner St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 98% of homes in Waterloo 62298
  • Costs less per square foot than 93% of homes in Waterloo 62298
  • Smaller than 97% of homes in Waterloo 62298
  • Has a smaller lot than 96% of homes in Waterloo 62298
  • Older than 71% of homes in Waterloo 62298

What homes are worth in Waterloo 62298

Each bar is how many homes fall in that price range. The marker is this home.

This home
$118K$682K

This home is worth more than 2% of homes in Waterloo 62298.

How it measures up in Waterloo 62298

The dot is this home. The mark in the middle is the typical home in Waterloo 62298.

Estimated value$106,847
CheaperTypical $317,230Pricier

Pricier than 2% of homes nearby

Price per ft²$139
CheaperTypical $214Pricier

Pricier than 7% of homes nearby

Living area768 ft²
SmallerTypical 1,500 ft²Bigger

Bigger than 3% of homes nearby

Lot size0.14 ac
SmallerTypical 0.43 acBigger

Bigger than 4% of homes nearby

Year built1966
OlderTypical 1990Newer

Newer than 29% of homes nearby

How 102 Gardner St ranks against every home in each area.
MeasureThis homeWaterloo 62298Monroe County
Estimated valuepricier than$106,8472% of homes2% of homes
Price per ft²pricier than$1397% of homes8% of homes
Living areabigger than768 ft²3% of homes3% of homes
Lot sizebigger than0.14 ac4% of homes4% of homes
Year builtnewer than196629% of homes30% of homes

About 102 Gardner St

How much is 102 Gardner St, Waterloo, IL worth?

The TopHap Estimate for 102 Gardner St, Waterloo, IL is $106,847 as of Aug 30, 2026. The likely range is $95,571 to $118,123. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 102 Gardner St, Waterloo, IL last sell?

102 Gardner St, Waterloo, IL last sold on Jan 1, 1900, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 102 Gardner St, Waterloo, IL?

102 Gardner St, Waterloo, IL has 2 bedrooms, 2 bathrooms, 768 square feet of living space and a 0.14-acre lot.

When was 102 Gardner St, Waterloo, IL built?

102 Gardner St, Waterloo, IL was built in 1966, making it 60 years old. The building has 1 story.

What schools serve 102 Gardner St, Waterloo, IL?

102 Gardner St, Waterloo, IL is assigned to Waterloo Junior High School (middle), rated B+; W. J. Zahnow Elementary School (elementary); Waterloo High School (high), rated B-. All sit in Waterloo Community Unit School District 5. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 102 Gardner St, Waterloo, IL compare to other homes in Waterloo 62298?

Among the 7,135 homes in Waterloo 62298, it is worth more than 2% of them ($106,847 against a typical $317,230), its price per square foot is higher than 7% of them ($139 against a typical $214), it is bigger than 3% of them (768 ft² against a typical 1,500 ft²), its lot is bigger than 4% of them (0.14 ac against a typical 0.43 ac) and it is newer than 29% of them (1966 against a typical 1990). Measured against all of Monroe County, it is worth more than 2% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 102 Gardner St, Waterloo, IL?

The 2025 property tax bill for 102 Gardner St, Waterloo, IL was $3,038. The county assessed it at $49,790.

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