208 N Library St, Waterloo, IL 62298 Property Records

Monroe County property record for 208 N Library St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 1,378 sqft · built 1986
Lot Size	0.25 acres (10,818 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,709 (2024)
Deeds & Mortgages	Aug 2019 Line of Credit May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-25-203-001-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-203-001-000`
Alternative APN	`07250720300100 00`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Building Area	1,378 sqft Building Perimeter
1st Floor Area	1,378 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Split Level
Construction Type	Frame
Lot Area	10,818 sqft (0.25 acres)
Lot Dimensions	154 ft deep x 71 ft wide
Garage Type	Mixed
Garage Area	264 sqft
Driveway	Concrete Driveway

Exterior Amenities

Porch	Slab
Porch Area	1,721 sqft
Deck Area	Deck Area
Patio Area	682 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	208 N LIBRARY ST
City	WATERLOO
State	IL
Zip	62298-1227
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOTS 19 & 20 TRAILS RESURVEY OF MARTINS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	TRAILS RESURVEY OF MARTINS ADD
Legal Lot Number	19,20
Jurisdiction	MONROE IL
Township / Civil Division	32
Census Block Group	3
Census Block	3032
Census Tract	600401

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Waterloo Historic District listed 1978 · 236 contributing resources · NRIS 78001177

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Monroe County assessment roll, as of August 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	208 N LIBRARY ST, WATERLOO, IL 62298-1227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2019	Deed of Trust, Mortgage · Line of Credit FIGURE LNDG LLC
May 14, 2019	Deed of Trust, Mortgage · Line of Credit STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	208 N LIBRARY ST, WATERLOO, IL 62298-1227
Document Number	0000403275
Instrument Date	Aug 23, 2019
Transaction Type	Mortgage
Record Updated	Sep 10, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 N LIBRARY ST WATERLOO IL 622981227, WATERLOO, IL 62298-1227

Mortgage

Document Number	0000403275
Date	Aug 29, 2019
Instrument	403275

Lender

Name	FIGURE LNDG LLC
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	208 N LIBRARY ST, WATERLOO, IL 62298-1227
Document Number	0000402024
Instrument Date	May 14, 2019
Transaction Type	Mortgage
Record Updated	Jun 28, 2019
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	208 N LIBRARY ST WATERLOO IL 622981227, WATERLOO, IL 62298-1227

Mortgage

Document Number	0000402024
Date	Jun 19, 2019
Instrument	402024

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 18, 2029

Interest

Rate Type	Adjustable Rate
Rate	5.75%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Municipality	Waterloo City
Unified School District	Waterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$142,480 (+4.58%) Land $16,580 Building $125,900	$427,440 (+4.58%) Land $49,740 Building $377,700
2024	$7,709.00	$136,237 (+31.4%) Land $16,243 Building $119,994	$408,711 (+31.4%) Land $48,729 Building $359,982
2022	Additional exemption filed	$103,680 Land $15,270 Building $88,410	$311,040 Land $45,810 Building $265,230

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 18, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERLOO serves 10,190 people · EPA ID IL1330300
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	30 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 458 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
HTC Holding DSL · Fiber in parts of the area	100 / 20

May also be available: Delta Communications, Wisper ISP.

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