Monroe County property record for 320 N Library St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 1,160 sqft · built 1943 |
| Lot Size | 0.15 acres (6,413 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $250,000 (Aug 2025) |
| Tax Bill | $4,344 (2024) |
| Deeds & Mortgages | Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-202-010-000 |
| Primary APN | 07-25-202-010-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,160 sqft Building Perimeter |
| 1st Floor Area | 896 sqft |
| Upper Floors Area | 264 sqft |
| Basement Area | 580 sqft |
| Unfinished Basement | 580 sqft |
| Year Built | Built 1943 |
|---|---|
| Effective Year Built | Effective 1943 |
| Construction Type | Frame |
| Lot Area | 6,413 sqft (0.15 acres) |
| Lot Dimensions | 130 ft deep x 50 ft wide |
| Garage Area | 624 sqft |
| Driveway | Asphalt Driveway |
| Driveway Area | 494 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 85 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 320 N LIBRARY ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1123 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | LOT 15 A J KOENIGSMARK ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | A J KOENIGSMARK ADD |
| Legal Lot Number | 15 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 32 |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 600401 |
Source: Monroe County records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 415 STATION XING, WATERLOO, IL 62298-1885 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 25, 2025 · Amount on Record |
| Deed Sale | Aug 25, 2025 · Amount on Record |
| Deed Document Number | 2025438999 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 320 N LIBRARY ST, WATERLOO, IL 62298-1123 |
| Document Number | 0000410095 |
| Instrument Date | Aug 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2020 |
| Title Company | MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC) |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 320 N LIBRARY ST WATERLOO IL 622981123, WATERLOO, IL 62298-1123 |
| Document Number | 0000410095 |
|---|---|
| Date | Aug 10, 2020 |
| Instrument | 410095 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 9, 2050 |
| Rate Type | Fixed Rate |
|---|
Source: Monroe County assessment roll, as of August 29, 2025
| 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 | $78,740 (+21.79%) Land $15,900 Building $62,840 | $236,220 (+21.79%) Land $47,700 Building $188,520 | |
| 2024 | $4,344.00 | ||
| 2022 | Additional exemption filed | $64,650 Land $14,860 Building $49,790 | $193,950 Land $44,580 Building $149,370 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 86% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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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