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Single Family ResidenceResidential
$484,403$218 / 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 86How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026

205 W ROSE LN

WATERLOO, IL 62298
4
Beds
6
Baths
2,220 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.
0.37 ac
Lot SizeThe size of the land the home sits on, from county records.
2003
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$484K
$417K low$552K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$217,330
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$173,864
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.55%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$267,073
SCOTT CU · recorded Apr 1, 2015

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$8,010 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$146,160 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$17,410
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$128,750
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$141,317
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$438,480

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.0.37
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 240 ft²Patio · 1,168 ft²Porch · 120 ft²

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.

E
W. J. Zahnow Elementary School
Elementary · Grades PK–1 · 2.1 mi
M
Waterloo Junior High SchoolB+
Middle · Grades 6–8 · 2.3 mi
H
Waterloo High SchoolB-
High · Grades 9–12 · 3.7 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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

205 W Rose Ln 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 more than 88% of homes in Waterloo 62298
  • Bigger than 90% of homes in Waterloo 62298
  • Newer than 78% of homes in Monroe County

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
$109K$676K

This home is worth more than 88% 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$484,403
CheaperTypical $308,451Pricier

Pricier than 88% of homes nearby

Price per ft²$218
CheaperTypical $207Pricier

Pricier than 58% of homes nearby

Living area2,220 ft²
SmallerTypical 1,500 ft²Bigger

Bigger than 90% of homes nearby

Lot size0.37 ac
SmallerTypical 0.43 acBigger

Bigger than 45% of homes nearby

Year built2003
OlderTypical 1991Newer

Newer than 77% of homes nearby

How 205 W Rose Ln ranks against every home in each area.
MeasureThis homeWaterloo 62298Monroe County
Estimated valuepricier than$484,40388% of homes87% of homes
Price per ft²pricier than$21858% of homes57% of homes
Living areabigger than2,220 ft²90% of homes89% of homes
Lot sizebigger than0.37 ac45% of homes42% of homes
Year builtnewer than200377% of homes78% of homes

About 205 W Rose Ln

How much is 205 W Rose Ln, Waterloo, IL worth?

The TopHap Estimate for 205 W Rose Ln, Waterloo, IL is $484,403 as of Jun 23, 2026. The likely range is $416,586 to $552,219. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 205 W Rose Ln, Waterloo, IL last sell?

205 W Rose Ln, Waterloo, IL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 205 W Rose Ln, Waterloo, IL?

205 W Rose Ln, Waterloo, IL has 4 bedrooms, 6 bathrooms, 2,220 square feet of living space and a 0.37-acre lot.

When was 205 W Rose Ln, Waterloo, IL built?

205 W Rose Ln, Waterloo, IL was built in 2003, making it 23 years old. The building has 1 story.

What schools serve 205 W Rose Ln, Waterloo, IL?

205 W Rose Ln, Waterloo, IL is assigned to W. J. Zahnow Elementary School (elementary); Waterloo Junior High School (middle), rated B+; 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 205 W Rose Ln, Waterloo, IL compare to other homes in Waterloo 62298?

Among the 7,136 homes in Waterloo 62298, it is worth more than 88% of them ($484,403 against a typical $308,451), its price per square foot is higher than 58% of them ($218 against a typical $207), it is bigger than 90% of them (2,220 ft² against a typical 1,500 ft²), its lot is bigger than 45% of them (0.37 ac against a typical 0.43 ac) and it is newer than 77% of them (2003 against a typical 1991). Measured against all of Monroe County, it is worth more than 87% 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 205 W Rose Ln, Waterloo, IL?

The 2024 property tax bill for 205 W Rose Ln, Waterloo, IL was $8,010. The county assessed it at $146,160.

Closest homes

More homes in Waterloo 62298

Assigned schools

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