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Single Family ResidenceResidential
$134,773$181 / 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 80How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

406 W 3RD ST

WATERLOO, IL 62298
2
Beds
2
Baths
744 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.
2,454 ft²
Lot SizeThe size of the land the home sits on, from county records.
1979
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$135K
$108K low$161K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,465 (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.$40,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$15,260
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$25,140
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$38,167
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$121,200

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.
15
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.0.26
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
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
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(1)

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 · 0.6 mi
E
W. J. Zahnow Elementary School
Elementary · Grades PK–1 · 0.8 mi
H
Waterloo High SchoolA-
High · Grades 9–12 · 1.4 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

406 W 3rd 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 Monroe County
  • Costs less per square foot than 81% of homes in Monroe County
  • Smaller than 98% of homes in Waterloo 62298
  • Among the smallest lots 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
$126K$687K

This home is worth more than 3% 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$134,773
CheaperTypical $329,201Pricier

Pricier than 3% of homes nearby

Price per ft²$181
CheaperTypical $217Pricier

Pricier than 20% of homes nearby

Living area744 ft²
SmallerTypical 1,505 ft²Bigger

Bigger than 2% of homes nearby

Lot size2,454 ft²
SmallerTypical 0.44 acBigger

Smaller than almost all homes nearby

Year built1979
OlderTypical 1991Newer

Newer than 39% of homes nearby

How 406 W 3rd St ranks against every home in each area.
MeasureThis homeWaterloo 62298Monroe County
Estimated valuepricier than$134,7733% of homes2% of homes
Price per ft²pricier than$18120% of homes19% of homes
Living areabigger than744 ft²2% of homes2% of homes
Lot sizebigger than2,454 ft²almost no homesalmost no homes
Year builtnewer than197939% of homes40% of homes

About 406 W 3rd St

How much is 406 W 3rd St, Waterloo, IL worth?

The TopHap Estimate for 406 W 3rd St, Waterloo, IL is $134,773 as of Sep 24, 2026. The likely range is $108,196 to $161,350. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 406 W 3rd St, Waterloo, IL last sell?

406 W 3rd St, Waterloo, IL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 406 W 3rd St, Waterloo, IL?

406 W 3rd St, Waterloo, IL has 2 bedrooms, 2 bathrooms, 744 square feet of living space and a 0.26-acre lot.

When was 406 W 3rd St, Waterloo, IL built?

406 W 3rd St, Waterloo, IL was built in 1979, making it 47 years old. The building has 1 story.

What schools serve 406 W 3rd St, Waterloo, IL?

406 W 3rd 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 406 W 3rd St, Waterloo, IL compare to other homes in Waterloo 62298?

Among the 7,165 homes in Waterloo 62298, it is worth more than 3% of them ($134,773 against a typical $329,201), its price per square foot is higher than 20% of them ($181 against a typical $217), it is bigger than 2% of them (744 ft² against a typical 1,505 ft²), its lot is bigger than almost none of them (2,454 ft² against a typical 0.44 ac) and it is newer than 39% of them (1979 against a typical 1991). 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 406 W 3rd St, Waterloo, IL?

The 2025 property tax bill for 406 W 3rd St, Waterloo, IL was $2,465. The county assessed it at $40,400.

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