404-406 Flower St

Beds
Baths
1,980 Sq. Ft.
$118 / Sq. Ft.
1,980
Sq. Ft.
$118
per Sq. Ft.

Description

Renovated in 2025, this duplex near downtown Waterloo is an ideal investment or live-in opportunity. 404 Flower Street is a 3 bedroom, 2 bathroom unit, currently leased. 406 Flower Street is a well maintained 1 bedroom, 1 bathroom unit, renovated in 2022 and is currently leased. Whether you are looking for a smart investment or a place to call home while generating income, this property delivers flexibility, convenience, and value. Proximity to downtown shops & restaurants adds to the appeal. Sold...Renovated in 2025, this duplex near downtown Waterloo is an ideal investment or live-in opportunity. 404 Flower Street is a 3 bedroom, 2 bathroom unit, currently leased. 406 Flower Street is a well maintained 1 bedroom, 1 bathroom unit, renovated in 2022 and is currently leased. Whether you are looking for a smart investment or a place to call home while generating income, this property delivers flexibility, convenience, and value. Proximity to downtown shops & restaurants adds to the appeal. Sold as is Agent Related
  1. Listed by Dawn Barnes • Nester Realty
    P: (618)-781-3279 dawnbarnes123@gmail.com

Property Details for 404-406 Flower Street

Architectural Style
Other
Waterfront
No
Cross Street
Rau Street
LISTING UPDATED: 03/23/2026 11:05 AM

Property Details for 404-406 Flower Street

StatusActive
MLS #26015073
Days on Market15
Taxes$3,638 / year
HOA Fees-
Condo/Co-op Fees-
Compass TypeMulti Family
MLS TypeResidential Income / 2-4 Units
Year Built1939
Lot Size0.10 AC / 4,382 SF
CountyMonroe County

Location

Listing Courtesy of Nester Realty
Add your commute

Building Information for 404-406 Flower Street

Stories-Residences2Year Built1939Building Size-Lot Size0.10 AC / 4,382 SF

Payment Calculator

$1,476 per month

30 year fixed, 6.46% Interest

Principal and Interest

$1,173

Property Taxes

$303

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

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Property Information for 404-406 Flower Street

Summary
Location and General Information
  • City: Waterloo
  • County Or Parish: Monroe
  • Latitude: 38.33600545
  • Longitude: -90.15543028
  • Postal Code: 62298
  • State Or Province: IL
  • Sub division Name: J B Moores Add
Taxes and HOA Information
  • List AOR: Southwestern Illinois Board of REALTORS
  • Parcel Number: 07-25-249-001-000
  • Tax Annual Amount: $3,638.00
  • Tax Legal Description: LOTS 7C & 23 J B MOORES ADDN *267160
  • Tax Year: 2024
  • AssociationYN: No
Parking
  • Attached Garage: No
  • Carport: No
  • Garage Spaces: 2.0
  • Garage: Yes
  • Parking Features: Detached, Garage
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: 1980.0
  • Lot Features: Back Yard, Corner Lot, Front Yard, Gentle Sloping
  • Lot Size Acres: 0.1006
  • Lot Size Source: Public Records
  • Lot Size Square Feet: 4382.14
  • Property Sub Type: 2-4 Units
  • Property Type: Residential Income
Property and Assessments
  • Above Grade Finished Area: 1980.0
  • Above Grade Finished Area Source: Owner
  • Below Grade Finished Area: 0.0
  • Below Grade Finished Area Source: Public Records
  • Documents Count: 0
  • Photos Count: 25
  • Year Built: 1939
  • Disclosures: Agent Owned, Lead Paint, Seller Property Disclosure
  • Construction Materials: Brick
  • Ownership Type: Private
  • NewConstructionYN: No
  • StructureType: Duplex
  • SeniorCommunityYN: No
  • NumberOfUnitsLeased: 2
Utilities
  • Electric: Other
  • Utilities: Electricity Connected, Sewer Connected, Water Connected
  • Water Source: Public
Interior and Exterior Features
Exterior Features
  • Roof: Architectural Shingle
  • MIS_PoolYN: No
Interior Features
  • Appliances: Dishwasher, Microwave, Electric Range, Refrigerator
  • Basement: Unfinished
  • Basement YN: Yes
  • Levels: One and One Half
  • Bathrooms Full: 0
  • Bathrooms Half: 0
  • Bedrooms Total: 0
  • Cooling: Ceiling Fan(s), Central Air
  • Fireplace: No
  • Heating: Forced Air, Natural Gas
  • LivingAreaSource: Owner
  • MIS_MainAndUpperLevelBedrooms: 0
  • MIS_MainAndUpperLevelBathrooms: 0
Multi Family
Multi-Family Information
  • Number Of Units Total: 2

Property History for 404-406 Flower Street

DateEvent & SourcePriceAppreciation
Mar 23, 2026

Listed (Active)

MARIS #26015073

$232,900
Dec 1, 2025

Expired

MARIS #25054462

$232,900
Aug 7, 2025

Listed (Active)

MARIS #25054462

$239,900
DateEvent & SourcePrice
03/23/2026

Listed (Active)

MARIS #26015073

$232,900
12/01/2025

Expired

MARIS #25054462

$232,900
08/07/2025

Listed (Active)

MARIS #25054462

$239,900

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

Schools near 404-406 Flower 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.

Similar Homes

Similar Sold Homes

404-406 Flower Street is a multi-family home for sale in Waterloo, IL 62298. This property was listed for sale on March 23, 2026 by Nester Realty, it's currently listed at $232,900. 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. 404-406 Flower Street is a 0-bed, 0-bath, 1,980 sqft multi-family home built in 1939.

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 Nester Realty

Based on information submitted to the MLS GRID as of 03/23/2026 11:05 AM. 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.