Seller's Agent in 2025
Christine Lavalle
eXp Realty
(618) 920-8885
173 Total Sales
105 Gardner St Waterloo, IL 62298
2
Beds
1.5
Baths
1,316
Sq Ft
4,953
Sq Ft Lot
Highlights
- Traditional Architecture
- Private Yard
- Stainless Steel Appliances
- Rogers Elementary School Rated A-
- No HOA
- Eat-In Kitchen
About This Home
As of August 2025Don’t miss this beautifully updated charmer in the heart of Waterloo! Step into a bright and airy living room filled with natural light and fresh flooring throughout. The stylish kitchen wows with statement cabinetry, butcher block countertops, stainless steel appliances, and a custom pantry for added storage. Two spacious bedrooms and a modern full bath complete the main floor. Downstairs, enjoy a partially finished basement with a built-in bar, half bath, laundry, and bonus living space. Outside, the brand new fence and spacious patio make the backyard perfect for entertaining! Two covered parking spaces and a prime location just steps from Downtown Waterloo make this one a must-see!
Last Agent to Sell the Property
eXp Realty License #475.115737 Listed on: 07/10/2025
Co-Listed By
Kaitlyn Posey
eXp Realty License #475.210131
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $2,427
Year Built
- Built in 1961
Lot Details
- 4,953 Sq Ft Lot
- Property is Fully Fenced
- Landscaped
- Level Lot
- Private Yard
- Back and Front Yard
Parking
- 2 Carport Spaces
Home Design
- Traditional Architecture
- Vinyl Siding
Interior Spaces
- 1,316 Sq Ft Home
- 1-Story Property
- Ceiling Fan
- Family Room
- Living Room
- Storage Room
Kitchen
- Eat-In Kitchen
- Range
- Stainless Steel Appliances
Flooring
- Laminate
- Concrete
- Luxury Vinyl Plank Tile
Bedrooms and Bathrooms
- 2 Bedrooms
Partially Finished Basement
- Basement Fills Entire Space Under The House
- Sump Pump
- Finished Basement Bathroom
- Laundry in Basement
- Basement Storage
Schools
- Waterloo Dist 5 Elementary And Middle School
- Waterloo High School
Utilities
- Forced Air Heating and Cooling System
- Heating System Uses Natural Gas
- Gas Water Heater
Community Details
- No Home Owners Association
Listing and Financial Details
- Assessor Parcel Number 07-25-284-011-000
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Jul 10, 2025
Closed on
Aug 15, 2025
Sold by
Posey Jacob and Posey Allison
Bought by
Haddick Clifford M
Seller's Agent
Christine Lavalle
eXp Realty
Buyer's Agent
Lauren Luke
eXp Realty
List Price
$215,000
Sold Price
$220,000
Premium/Discount to List
$5,000
2.33%
Views
32
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
-27.23%
Original Mortgage
$227,260
Outstanding Balance
$227,260
Interest Rate
6.5%
Mortgage Type
VA
Estimated Equity
-$12,783
Purchase Details
Listed on
May 28, 2019
Closed on
Aug 1, 2019
Sold by
Rahn Susan L
Bought by
Posey Jacob
Seller's Agent
Mandy McGuire
Keller Williams Pinnacle
Buyer's Agent
Tammy Hines
Tammy Mitchell Hines & Co.
List Price
$138,000
Sold Price
$138,000
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
8.03%
Original Mortgage
$139,393
Interest Rate
3.8%
Mortgage Type
New Conventional
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $220,000 | None Listed On Document | |
| Warranty Deed | $138,000 | Accent Title |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $227,260 | VA | |
| Previous Owner | $139,393 | New Conventional |
Source: Public Records
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 08/15/2025 08/15/25 | Sold | $220,000 | +2.3% | $167 / Sq Ft |
| 07/10/2025 07/10/25 | For Sale | $215,000 | +55.8% | $163 / Sq Ft |
| 08/01/2019 08/01/19 | Sold | $138,000 | 0.0% | $105 / Sq Ft |
| 07/25/2019 07/25/19 | Pending | -- | -- | -- |
| 05/28/2019 05/28/19 | For Sale | $138,000 | -- | $105 / Sq Ft |
Source: MARIS MLS
Tax History Compared to Growth
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2024 | $2,877 | $54,611 | $15,493 | $39,118 |
| 2023 | $2,427 | $44,540 | $14,450 | $30,090 |
| 2022 | $0 | $43,750 | $14,720 | $29,030 |
| 2021 | $2,011 | $36,880 | $7,830 | $29,050 |
| 2020 | $1,932 | $34,840 | $7,830 | $27,010 |
| 2019 | $1,877 | $33,630 | $7,830 | $25,800 |
| 2018 | $1,772 | $31,250 | $6,370 | $24,880 |
| 2017 | $1,713 | $31,823 | $6,485 | $25,338 |
| 2016 | $0 | $30,330 | $4,680 | $25,650 |
| 2015 | $1,574 | $29,720 | $5,380 | $24,340 |
| 2014 | $1,488 | $29,310 | $5,380 | $23,930 |
| 2012 | -- | $28,330 | $7,450 | $20,880 |
Source: Public Records
Agents Affiliated with this Home
-
Christine Lavalle
-
K
Seller Co-Listing Agent in 2025
Kaitlyn Posey
eXp Realty
-
Lauren Luke
L
Buyer's Agent in 2025
Lauren Luke
eXp Realty
(618) 593-7358
22 Total Sales
-
Mandy McGuire
Seller's Agent in 2019
Mandy McGuire
Keller Williams Pinnacle
(618) 558-1350
721 Total Sales
-
Tammy Hines
Buyer's Agent in 2019
Tammy Hines
Tammy Mitchell Hines & Co.
(618) 698-9199
826 Total Sales
Map
Source: MARIS MLS
MLS Number: MIS25046039
APN: 07-25-284-011-000
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