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Residential (General/Single)Residential
$21,379
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 60How 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 $85,000 on Feb 28, 2011

401 ROSS ST

WAVERLY, IL 62692
0
Baths
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$21K
$13K low$30K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$85,000 · Feb 28, 2011
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.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
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.343%
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.$74,200
UNITED COMMUNITY BANK · 2.12% 2 · recorded Jul 27, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$273 (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.$3,590 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,440
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$2,150
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$3,240
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$10,770

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.37
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.
82
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
69
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
7
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.Residential (General/Single)
CountyMorgan
Lot (acres)The size of the land the home sits on, from county records.0.20

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
Waverly Jr/Sr High SchoolD+
Middle · Grades 7–12 · 0.4 mi
E
Waverly Elementary SchoolC-
Elementary · Grades PK–6 · 0.5 mi

District: Waverly Community Unit School District 6

Neighborhood · ZIP 62692These 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.87
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.74
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.58

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.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.2,186
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.25 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,923
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$94,746
Average tempThe average temperature here across a full year.53°F
Annual precipHow much rain and melted snow falls here in a typical year.38 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.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

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

401 Ross 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.

  • Among the least valuable homes in Morgan County
  • Has a smaller lot than 81% of homes in Waverly 62692

What homes are worth in Waverly 62692

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

This home
$22K$370K

This home is worth more than 2% of homes in Waverly 62692.

How it measures up in Waverly 62692

The dot is this home. The mark in the middle is the typical home in Waverly 62692.

Estimated value$21,379
CheaperTypical $108,043Pricier

Pricier than 2% of homes nearby

Lot size0.2 ac
SmallerTypical 0.37 acBigger

Bigger than 19% of homes nearby

How 401 Ross St ranks against every home in each area.
MeasureThis homeWaverly 62692Morgan County
Estimated valuepricier than$21,3792% of homesalmost no homes
Lot sizebigger than0.2 ac19% of homes22% of homes

About 401 Ross St

How much is 401 Ross St, Waverly, IL worth?

The TopHap Estimate for 401 Ross St, Waverly, IL is $21,379 as of Jul 14, 2026. The likely range is $12,823 to $29,935. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 401 Ross St, Waverly, IL last sell?

401 Ross St, Waverly, IL last sold on Feb 28, 2011 for $85,000, according to the county's recorded deed.

What schools serve 401 Ross St, Waverly, IL?

401 Ross St, Waverly, IL is assigned to Waverly Jr/Sr High School (middle), rated D+; Waverly Elementary School (elementary), rated C-. All sit in Waverly Community Unit School District 6. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 401 Ross St, Waverly, IL compare to other homes in Waverly 62692?

Among the 903 homes in Waverly 62692, it is worth more than 2% of them ($21,379 against a typical $108,043) and its lot is bigger than 19% of them (0.2 ac against a typical 0.37 ac). Measured against all of Morgan County, it is worth more than almost no 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 401 Ross St, Waverly, IL?

The 2024 property tax bill for 401 Ross St, Waverly, IL was $273. The county assessed it at $3,590.

Closest homes

More homes in Waverly 62692

Assigned schools

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