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Single Family ResidenceResidential
$201,057$143 / 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 85How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $190,000 on Jul 18, 2024

309 W 4TH ST

WATERLOO, IL 62298
2
Beds
2
Baths
1,404 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.
0.32 ac
Lot SizeThe size of the land the home sits on, from county records.
1894
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$201K
$170K low$232K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$190,000 · Jul 18, 2024

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,450 (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.$78,680 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$17,150
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$61,530
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$76,430
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$236,040

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.0.32
ConstructionThe main material the home's frame and walls are built from.Masonry/Concrete Masonry Units (Cmus)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
HeatingThe type of heating system in the home.Central
CoolingThe type of cooling or air conditioning in the home.Central
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.Shed · 320 ft²Porch · 214 ft²

Transaction History(2)

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 SchoolA
Middle · Grades 6–8 · 0.5 mi
E
W. J. Zahnow Elementary School
Elementary · Grades PK–1 · 0.7 mi
H
Waterloo High SchoolA-
High · Grades 9–12 · 1.3 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

309 W 4th 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 86% of homes in Waterloo 62298
  • Costs less per square foot than 96% of homes in Waterloo 62298
  • Older than 95% 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
$130K$684K

This home is worth more than 14% 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$201,057
CheaperTypical $326,718Pricier

Pricier than 14% of homes nearby

Price per ft²$143
CheaperTypical $218Pricier

Pricier than 4% of homes nearby

Living area1,404 ft²
SmallerTypical 1,505 ft²Bigger

Bigger than 43% of homes nearby

Lot size0.32 ac
SmallerTypical 0.44 acBigger

Bigger than 40% of homes nearby

Year built1894
OlderTypical 1990Newer

Newer than 6% of homes nearby

How 309 W 4th St ranks against every home in each area.
MeasureThis homeWaterloo 62298Monroe County
Estimated valuepricier than$201,05714% of homes14% of homes
Price per ft²pricier than$1434% of homes4% of homes
Living areabigger than1,404 ft²43% of homes44% of homes
Lot sizebigger than0.32 ac40% of homes38% of homes
Year builtnewer than18946% of homes5% of homes

About 309 W 4th St

How much is 309 W 4th St, Waterloo, IL worth?

The TopHap Estimate for 309 W 4th St, Waterloo, IL is $201,057 as of Oct 21, 2026. The likely range is $170,194 to $231,920. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 309 W 4th St, Waterloo, IL last sell?

309 W 4th St, Waterloo, IL last sold on Jul 18, 2024 for $190,000, according to the county's recorded deed.

How big is 309 W 4th St, Waterloo, IL?

309 W 4th St, Waterloo, IL has 2 bedrooms, 2 bathrooms, 1,404 square feet of living space and a 0.32-acre lot.

When was 309 W 4th St, Waterloo, IL built?

309 W 4th St, Waterloo, IL was built in 1894, making it 132 years old. The building has 1 story.

What schools serve 309 W 4th St, Waterloo, IL?

309 W 4th St, Waterloo, IL is assigned to Waterloo Junior High School (middle), rated A; W. J. Zahnow Elementary School (elementary); Waterloo High School (high), rated A-. All sit in Waterloo Community Unit School District 5. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 309 W 4th St, Waterloo, IL compare to other homes in Waterloo 62298?

Among the 7,179 homes in Waterloo 62298, it is worth more than 14% of them ($201,057 against a typical $326,718), its price per square foot is higher than 4% of them ($143 against a typical $218), it is bigger than 43% of them (1,404 ft² against a typical 1,505 ft²), its lot is bigger than 40% of them (0.32 ac against a typical 0.44 ac) and it is newer than 6% of them (1894 against a typical 1990). Measured against all of Monroe County, it is worth more than 14% 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 309 W 4th St, Waterloo, IL?

The 2025 property tax bill for 309 W 4th St, Waterloo, IL was $4,450. The county assessed it at $78,680.

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Assigned schools

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