314 N Church St

2,268 Sq. Ft.
$110 / Sq. Ft.
2,268
Sq. Ft.
$110
per Sq. Ft.

Description

Located in the highly desirable Waterloo School District, this versatile property offers space, updates, and an unbeatable setting just minutes from the heart of downtown Waterloo. The main home features 3 bedrooms and 2 full baths with generous living areas designed for everyday comfort. Recent improvements give peace of mind, including a new roof in 2024, new sewer line in 2025, updated siding, gutters, and soffit in 2025, a Rheem A/C unit installed in 2022, and a new hot water heater in 2024....Located in the highly desirable Waterloo School District, this versatile property offers space, updates, and an unbeatable setting just minutes from the heart of downtown Waterloo. The main home features 3 bedrooms and 2 full baths with generous living areas designed for everyday comfort. Recent improvements give peace of mind, including a new roof in 2024, new sewer line in 2025, updated siding, gutters, and soffit in 2025, a Rheem A/C unit installed in 2022, and a new hot water heater in 2024. Additional updates include new windows, resurfaced tub, and beautifully renovated rear bedrooms. Connected by a breezeway, the separate studio space includes its own private bath and roughed-in kitchen area, and laundry offering endless flexibility for guests, multi-generational living, a home office, or potential rental income. Outside, you’ll find a large back patio, plus a 2-car garage complete with a workbench for hobbies or storage. Enjoy the convenience of being just blocks from local shops, restaurants, parks, and community events while still having the comfort of a spacious property to call home. Seller is offering a $10k credit for updates / repairs. Selling As-is.
  1. Listed by Monica Schmidt • eXp Realty

Property Details for 314 North Church Street

Architectural Style
Ranch
LISTING UPDATED: 03/09/2026 03:04 PM

Property Details for 314 North Church Street

StatusActive
MLS #26007562
Days on Market26
Taxes$3,177 / year
HOA Fees-
Condo/Co-op Fees-
Compass TypeSingle Family
MLS TypeResidential / Single Family Residence
Year Built1946
Lot Size0.39 AC / 16,914 SF
CountyMonroe County

Location

Listing Courtesy of eXp Realty
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Building Information for 314 North Church Street

Stories-Year Built1946Building Size-Lot Size0.39 AC / 16,914 SF

Payment Calculator

$1,483 per month

30 year fixed, 6.15% Interest

Principal and Interest

$1,218

Property Taxes

$265

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

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Property Information for 314 North Church Street

Summary
Location and General Information
  • City: Waterloo
  • County Or Parish: Monroe
  • Latitude: 38.338822
  • Longitude: -90.15223
  • Postal Code: 62298
  • State Or Province: IL
  • Sub division Name: A J Koenigsmark Add
Taxes and HOA Information
  • List AOR: Southwestern Illinois Board of REALTORS
  • Parcel Number: 07-25-204-004-000
  • Tax Annual Amount: $3,177.00
  • Tax Year: 2024
Owner
  • Township: Waterloo
Parking
  • Attached Garage: Yes
  • Carport: No
  • Garage Spaces: 2.0
  • Garage: Yes
  • Parking Features: Attached, Driveway, Garage, Off Street
  • Parking Total: 2.0
School Information
  • Elementary School: WATERLOO DIST 5
  • High School: Waterloo
  • High School District: Waterloo DIST 5
  • Middle Or Junior School: WATERLOO DIST 5
Property
Lot Information
  • Living Area: 2268.0
  • Lot Features: Back Yard, Some Trees
  • Lot Size Acres: 0.3883
  • Lot Size Source: Public Records
  • Lot Size Square Feet: 16914.35
  • Property Sub Type: Single Family Residence
  • Property Type: Residential
Property and Assessments
  • Above Grade Finished Area: 2268.0
  • Above Grade Finished Area Source: Other
  • Documents Available: Other
  • Documents Count: 1
  • Photos Count: 27
  • Year Built: 1946
  • Disclosures: Seller Property Disclosure
  • Construction Materials: Vinyl Siding
Utilities
  • Electric: Other
  • Sewer: Public Sewer
  • Utilities: Electricity Connected
  • Water Source: Public
Interior and Exterior Features
Interior Features
  • Appliances: Electric Range, Washer
  • Basement: Exterior Entry, Unfinished
  • Basement YN: Yes
  • Levels: One
  • Main Level Bedrooms: 4.0
  • Bathrooms Full: 2
  • Bathrooms Half: 0
  • Bathrooms Total Integer: 2
  • Bedrooms Total: 4
  • Cooling: Central Air
  • Fireplace: No
  • Heating: Forced Air
  • Laundry Features: Laundry Room, Main Level
  • Rooms Total: 11
Room Information
Room 1
  • Room Dimensions: 18x15
  • Room Length: 18.0
  • Room Level: Main
  • Room Type: Living Room
  • Room Width: 15.0
Room 2
  • Room Dimensions: 8x15
  • Room Length: 8.0
  • Room Level: Main
  • Room Type: Dining Room
  • Room Width: 15.0
Room 3
  • Room Dimensions: 8x9
  • Room Length: 8.0
  • Room Level: Main
  • Room Type: Kitchen
  • Room Width: 9.0
Room 4
  • Room Dimensions: 4x10
  • Room Length: 4.0
  • Room Level: Main
  • Room Type: Bathroom
  • Room Width: 10.0
Room 5
  • Room Dimensions: 12x13
  • Room Length: 12.0
  • Room Level: Main
  • Room Type: Bedroom
  • Room Width: 13.0
Room 6
  • Room Dimensions: 10x14
  • Room Length: 10.0
  • Room Level: Main
  • Room Type: Bedroom 2
  • Room Width: 14.0
Room 7
  • Room Dimensions: 13x15
  • Room Length: 13.0
  • Room Level: Main
  • Room Type: Bedroom 3
  • Room Width: 15.0
Room 8
  • Room Dimensions: 13x22
  • Room Length: 13.0
  • Room Level: Main
  • Room Type: Primary Bedroom
  • Room Width: 22.0
Room 9
  • Room Dimensions: 9x13
  • Room Length: 9.0
  • Room Level: Main
  • Room Type: Mud Room
  • Room Width: 13.0
Room 10
  • Room Dimensions: 25x25
  • Room Length: 25.0
  • Room Level: Main
  • Room Type: Bonus Room
  • Room Width: 25.0
Room 11
  • Room Dimensions: 8x6
  • Room Length: 8.0
  • Room Level: Main
  • Room Type: Bathroom
  • Room Width: 6.0

Property History for 314 North Church Street

DateEvent & SourcePriceAppreciation
Feb 13, 2026

Listed (Active)

MARIS #26007562

$250,000
Dec 31, 2025

Expired

MARIS #25046067

$274,900
Sep 12, 2025

Price Change

MARIS #25046067

$283,500
Jul 12, 2025

Listed (Active)

MARIS #25046067

$287,500
Sep 17, 2021

Closed

MRED #11186404

$120,000
Sep 17, 2021

Closed

MARIS #21057756

$120,000
Sep 16, 2021

Closed (Public Record)

Public Record #1473263669

$120,000
Sep 16, 2021

Closed (Public Record)

Public Record #1473263669

$120,000
Sep 15, 2021

Pending

MRED #11186404

Sep 15, 2021

Pending

MARIS #21057756

Aug 19, 2021

Active Under Contract

MRED #11186404

Aug 17, 2021

Active Under Contract

MARIS #21057756

Aug 17, 2021

Listed (Active)

MARIS #21057756

$120,000
Aug 10, 2021

Listed (Active)

MRED #11186404

$120,000
DateEvent & SourcePrice
02/13/2026

Listed (Active)

MARIS #26007562

$250,000
12/31/2025

Expired

MARIS #25046067

$274,900
09/12/2025

Price Change

MARIS #25046067

$283,500
07/12/2025

Listed (Active)

MARIS #25046067

$287,500
09/17/2021

Closed

MRED #11186404

$120,000
09/17/2021

Closed

MARIS #21057756

$120,000
09/16/2021

Closed (Public Record)

Public Record #1473263669

$120,000
09/16/2021

Closed (Public Record)

Public Record #1473263669

$120,000
09/15/2021

Pending

MRED #11186404

09/15/2021

Pending

MARIS #21057756

08/19/2021

Active Under Contract

MRED #11186404

08/17/2021

Active Under Contract

MARIS #21057756

08/17/2021

Listed (Active)

MARIS #21057756

$120,000
08/10/2021

Listed (Active)

MRED #11186404

$120,000

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 314 North Church Street

Taxable ValueLand$17,014Additions$42,656Total$59,670
Tax Record2024$3,177 ($265 / month)
Home Facts
Beds4Total Finished SqFt2,268 SqFtAbove Grade Finished SqFt2,268 SqFtStories1Lot Size16,915 SqFtStyleSingle Family ResidenceYear Built1946ZoningWR3CountyMONROEAPN07-25-204-004-000

Schools near 314 North Church Street

This home is within Waterloo Community Unit School District 5.
Rating
School
Type
Grades
Distance
Public - PK to 1
Public - 2 to 3
Public - 4 to 5
Public - 6 to 8
Rating
School
Distance
W J Zahnow Elementary School
PublicPK to 1

Rogers Elementary School
Public2 to 3

Gardner Elementary School
Public4 to 5

Waterloo Junior High School
Public6 to 8

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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314 North Church Street is a single family home for sale in Waterloo, IL 62298. This property was listed for sale on February 13, 2026 by eXp Realty, it's currently listed at $250,000. It has been on the market for a total of 26 days and was last sold on September 17, 2021. This listing's school district is Waterloo Community Unit School District 5. Nearby schools include W J Zahnow Elementary School, Rogers Elementary School and Gardner Elementary School. 314 North Church Street is a 4-bed, 2-bath, 2,268 sqft single family home built in 1946.

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity.

Listing Courtesy of eXp Realty

Based on information submitted to the MLS GRID as of 03/09/2026 03:04 PM. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Properties displayed may be listed or sold by various participants in the MLS. IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed by MLS GRID. Use of the MLS GRID data may be subject to an end user license agreement prescribed by the applicable MLS of the Member Participant, if any, and as amended from time to time.