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Single Family ResidenceResidential
$107,617
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 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $53,000 on Feb 23, 2022

313 DOUGLAS ST

WATERLOO, IL 62298
0
Baths
1.86 ac
Lot SizeThe size of the land the home sits on, from county records.
1986
Year BuiltThe year the home was originally built, according to county records.

Valuation

$108K
$103K low$113K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$53,000 · Feb 23, 2022
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.$67,867
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$54,294
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.44%
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.$39,750
MIDLAND STATES BANK · 3.62% 2 · recorded Feb 23, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,432 (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.$32,060 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$19,386
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$12,674
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$29,140
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$96,180

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.43
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
29
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.
73
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
24
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
StyleThe architectural style of the home, such as ranch or colonial.Mobile Home
CountySt. Clair
Lot (acres)The size of the land the home sits on, from county records.1.86
HeatingThe type of heating system in the home.None
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.Patio · 48 ft²Porch · 192 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.

E
Smithton Elementary SchoolB+
Elementary · Grades PK–8 · 4.2 mi
H
Freeburg Community High SchoolA
High · Grades 9–12 · 8.6 mi

District: Freeburg Community High School District 77

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

313 Douglas 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
  • Has a bigger lot than 91% of homes in St. Clair County
  • Newer than 68% of homes in St. Clair 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
$108K$661K

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$107,617
CheaperTypical $308,273Pricier

Pricier than 2% of homes nearby

Lot size1.86 ac
SmallerTypical 0.43 acBigger

Bigger than 64% of homes nearby

Year built1986
OlderTypical 1991Newer

Newer than 45% of homes nearby

How 313 Douglas St ranks against every home in each area.
MeasureThis homeWaterloo 62298St. Clair County
Estimated valuepricier than$107,6172% of homes29% of homes
Lot sizebigger than1.86 ac64% of homes91% of homes
Year builtnewer than198645% of homes68% of homes

About 313 Douglas St

How much is 313 Douglas St, Waterloo, IL worth?

The TopHap Estimate for 313 Douglas St, Waterloo, IL is $107,617 as of Jul 14, 2026. The likely range is $102,603 to $112,631. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 313 Douglas St, Waterloo, IL last sell?

313 Douglas St, Waterloo, IL last sold on Feb 23, 2022 for $53,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

When was 313 Douglas St, Waterloo, IL built?

313 Douglas St, Waterloo, IL was built in 1986, making it 40 years old. It is a mobile home home.

What schools serve 313 Douglas St, Waterloo, IL?

313 Douglas St, Waterloo, IL is assigned to Smithton Elementary School (elementary), rated B+; Freeburg Community High School (high), rated A. All sit in Freeburg Community High School District 77. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 313 Douglas St, Waterloo, IL compare to other homes in Waterloo 62298?

Among the 7,136 homes in Waterloo 62298, it is worth more than 2% of them ($107,617 against a typical $308,273), its lot is bigger than 64% of them (1.86 ac against a typical 0.43 ac) and it is newer than 45% of them (1986 against a typical 1991). Measured against all of St. Clair County, it is worth more than 29% 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 313 Douglas St, Waterloo, IL?

The 2024 property tax bill for 313 Douglas St, Waterloo, IL was $2,432. The county assessed it at $32,060.

Closest homes

More homes in Waterloo 62298

Assigned schools

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