Monroe County property record for 209 N Library St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,176 sqft · built 1902 |
| Lot Size | 0.24 acres (10,518 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $180,000 (Oct 2020) |
| Tax Bill | $4,420 (2025) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-201-017-000 |
| Primary APN | 07-25-201-017-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,176 sqft Building Perimeter |
| 1st Floor Area | 768 sqft |
| Upper Floors Area | 408 sqft |
| Year Built | Built 1902 |
|---|---|
| Effective Year Built | Effective 1902 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 10,518 sqft (0.24 acres) |
| Lot Dimensions | 155 ft deep x 67 ft wide |
| Garage Area | 900 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 2,436 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 126 sqft |
| Deck Area | 620 sqft |
| Patio Area | 620 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 209 N LIBRARY ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1228 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOTS 6B & PART 7 NEEDLE & GALLS ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | NEEDLE & GALLS ADD |
| Legal Lot Number | 6B |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 32 |
| Census Block Group | 3 |
| Census Block | 3040 |
| Census Tract | 600401 |
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.
209 N Library St is owned and occupied by two individuals who bought it in October 2020.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 209 N LIBRARY ST, WATERLOO, IL 62298-1228 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 2020 · Amount on File |
| Deed Sale | Oct 21, 2020 · Amount on File |
| Deed Document Number | 2020411885 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Oct 21, 2020 |
| Property Address | 209 N LIBRARY ST, WATERLOO, IL 62298-1228 |
| Document Number | 0000411885 |
| Map Reference | MB L PG 340 |
| Instrument Date | Oct 19, 2020 |
| Instrument | 411885 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $270.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 209 N LIBRARY ST, WATERLOO, IL 62298-1228 |
| Document Number | 0000411886 |
|---|---|
| Date | Oct 21, 2020 |
| Instrument | 411886 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 2.38% |
|---|
The 2025 property tax bill for 209 N Library St was $4,420.
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,420.00 Homeowner's exemption | $78,190 Land $16,510 Building $61,680 | $234,570 Land $49,530 Building $185,040 |
| 2024 | $4,420.00 | ||
| 2022 | Additional exemption filed | $68,040 Land $15,230 Building $52,810 | $204,120 Land $45,690 Building $158,430 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 209 N Library St in Zone X, an area of minimal flood risk.
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.
The area around 209 N Library St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
| Harrisonville Telephone Company DSL · Fiber in parts of the area | 100 / 20 |
May also be available: ClearWave, Wisper ISP.
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