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Single Family ResidenceResidential
$454,807$246 / 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 93How 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

646 E 4TH ST

WATERLOO, IL 62298
3
Beds
4
Baths
1,848 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.
1.83 ac
Lot SizeThe size of the land the home sits on, from county records.
1989
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$455K
$425K low$484K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,202 (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.$125,700 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$14,420
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$111,280
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$125,771
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$377,100

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.
33
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.
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
CountyMONROE
Lot (acres)The size of the land the home sits on, from county records.1.83
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
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.GazeboDeck · 462 ft²Patio · 380 ft²Porch · 105 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 · 1.0 mi
E
W. J. Zahnow Elementary School
Elementary · Grades PK–1 · 1.0 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

646 E 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 more than 81% of homes in Waterloo 62298
  • Costs more per square foot than 72% of homes in Monroe County
  • Bigger than 75% of homes in Waterloo 62298
  • Has a bigger lot than 67% 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
$133K$716K

This home is worth more than 81% 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$454,807
CheaperTypical $329,418Pricier

Pricier than 81% of homes nearby

Price per ft²$246
CheaperTypical $216Pricier

Pricier than 71% of homes nearby

Living area1,848 ft²
SmallerTypical 1,508 ft²Bigger

Bigger than 75% of homes nearby

Lot size1.83 ac
SmallerTypical 0.44 acBigger

Bigger than 64% of homes nearby

Year built1989
OlderTypical 1991Newer

Newer than 48% of homes nearby

How 646 E 4th St ranks against every home in each area.
MeasureThis homeWaterloo 62298Monroe County
Estimated valuepricier than$454,80781% of homes80% of homes
Price per ft²pricier than$24671% of homes72% of homes
Living areabigger than1,848 ft²75% of homes75% of homes
Lot sizebigger than1.83 ac64% of homes67% of homes
Year builtnewer than198948% of homes50% of homes

About 646 E 4th St

How much is 646 E 4th St, Waterloo, IL worth?

The TopHap Estimate for 646 E 4th St, Waterloo, IL is $454,807 as of Sep 24, 2026. The likely range is $425,156 to $484,458. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 646 E 4th St, Waterloo, IL last sell?

646 E 4th St, Waterloo, IL last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 646 E 4th St, Waterloo, IL?

646 E 4th St, Waterloo, IL has 3 bedrooms, 4 bathrooms, 1,848 square feet of living space and a 1.83-acre lot.

When was 646 E 4th St, Waterloo, IL built?

646 E 4th St, Waterloo, IL was built in 1989, making it 37 years old. The building has 1 story.

What schools serve 646 E 4th St, Waterloo, IL?

646 E 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 646 E 4th St, Waterloo, IL compare to other homes in Waterloo 62298?

Among the 7,165 homes in Waterloo 62298, it is worth more than 81% of them ($454,807 against a typical $329,418), its price per square foot is higher than 71% of them ($246 against a typical $216), it is bigger than 75% of them (1,848 ft² against a typical 1,508 ft²), its lot is bigger than 64% of them (1.83 ac against a typical 0.44 ac) and it is newer than 48% of them (1989 against a typical 1991). Measured against all of Monroe County, it is worth more than 80% 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 646 E 4th St, Waterloo, IL?

The 2025 property tax bill for 646 E 4th St, Waterloo, IL was $7,202. The county assessed it at $125,700.

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