309 N Library St, Waterloo, IL 62298 Property Records

Monroe County property record for 309 N Library St, Waterloo, IL 62298

Property Summary

Property Type	Mobile Home
Details	2 bd · 2 ba · 580 sqft · built 1960
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$312,000 (Aug 2021)
Tax Bill	$7,407 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Mar 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-201-011-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-201-011-000`
Alternative APN	`07250720101700 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	580 sqft Living Area
1st Floor Area	580 sqft
Basement Area	1,446 sqft
Unfinished Basement	1,446 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Mobile Home
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	195 ft deep x 25 ft wide

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	309 N LIBRARY ST
City	WATERLOO
State	IL
Zip	62298-1124
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	WR3
Legal Description	PART TAX LOT 33 WEST OUTLOTS & PART LOT 1 NEEDLE & GALLS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	NEEDLES AND GALLS ADD
Legal Lot Number	1,33
Jurisdiction	MONROE IL
Township / Civil Division	17
Census Block Group	3
Census Block	3015
Census Tract	600401

Owner

Source: Monroe County records, as of October 13, 2026

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 Record
Mailing Address	309 N LIBRARY ST, WATERLOO, IL 62298-1124
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2021	Warranty Deed, Transfer · Conventional Mortgage STATE BANK
Mar 31, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK
Nov 19, 2020	Quit Claim Deed, Transfer MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)
Nov 19, 2020	Quit Claim Deed, Transfer MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)
Oct 16, 2020	Warranty Deed, Transfer MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)
Oct 25, 2018	Warranty Deed, Transfer COLUMBIA TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2021 · Amount on Record
Deed Sale	Aug 19, 2021 · Amount on Record
Prior Sale	Oct 16, 2020 · Amount on Record
Deed Document Number	2021419198
Prior Transfer Date	Nov 19, 2020
Prior Transfer Doc	0000412644
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Aug 19, 2021
Property Address	309 N LIBRARY ST, WATERLOO, IL 62298-1124
Document Number	0000419198
Instrument Date	Aug 13, 2021
Instrument	419198
Transaction Type	Transfer
Record Updated	Sep 8, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$468.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 N LIBRARY ST, WATERLOO, IL 62298-1124

Mortgage

Document Number	0000419199
Date	Aug 19, 2021
Instrument	419199

Lender

Name	STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	309 N LIBRARY ST, WATERLOO, IL 62298-1124
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000415949
Date	Mar 31, 2021
Instrument	415949

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Nov 19, 2020
Property Address	309 N LIBRARY ST, WATERLOO, IL 62298-1124
Document Number	0000412643
Instrument Date	Nov 19, 2020
Instrument	412643
Transaction Type	Transfer
Record Updated	Dec 9, 2020
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6467 KONARCIK RD WATERLOO IL 622982421, WATERLOO, IL 62298-2421

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Nov 19, 2020
Property Address	309 N LIBRARY ST, WATERLOO, IL 62298-1124
Document Number	0000412644
Instrument Date	Nov 19, 2020
Instrument	412644
Transaction Type	Transfer
Record Updated	Dec 9, 2020
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6467 KONARCIK RD WATERLOO IL 622982421, WATERLOO, IL 62298-2421

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 16, 2020
Property Address	309 N LIBRARY ST, WATERLOO, IL 62298-1124
Document Number	0000411742
Instrument Date	Oct 15, 2020
Instrument	411742
Transaction Type	Transfer
Record Updated	Nov 3, 2020
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Amount	Amount Recorded
Tax	$15.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6467 KONARCIK RD WATERLOO IL 622982421, WATERLOO, IL 62298-2421

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 25, 2018
Property Address	309 N LIBRARY ST, WATERLOO, IL 62298-1124
Document Number	0000398430
Instrument Date	Oct 24, 2018
Instrument	398430
Transaction Type	Transfer
Record Updated	Nov 8, 2018
Title Company	COLUMBIA TITLE

Transaction

Amount	Amount Recorded
Tax	$9.75
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 N LIBRARY ST WATERLOO IL 622981124, WATERLOO, IL 62298-1124

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

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	$7,407.00 (+11.02%) Homeowner's exemption	$127,150 (+35.57%) Land $17,180 Building $109,970	$381,450 (+35.57%) Land $51,540 Building $329,910
2024	$6,672.00
2022	Additional exemption filed	$93,790 Land $15,650 Building $78,140	$281,370 Land $46,950 Building $234,420

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.

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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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
Harrisonville Telephone Company DSL · Fiber in parts of the area	100 / 20

May also be available: ClearWave, Wisper ISP.

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