321 N Library St, Waterloo, IL 62298 Property Records

Monroe County property record for 321 N Library St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 870 sqft · built 1947
Lot Size	0.17 acres (7,552 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (May 2023)
Tax Bill	$1,638 (2024)
Deeds & Mortgages	May 2023 Sale & Mortgage Mar 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-201-005-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-201-005-000`
Alternative APN	`07250720102300 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	870 sqft Living Area
1st Floor Area	870 sqft
Basement Area	870 sqft
Unfinished Basement	870 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Construction Type	Frame
Lot Area	7,552 sqft (0.17 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	124 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	321 N LIBRARY ST
City	WATERLOO
State	IL
Zip	62298-1124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 1 A J KOENIGSMARK ADDN 0160639
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	A J KOENIGSMARK ADD
Legal Lot Number	1
Jurisdiction	MONROE IL
Township / Civil Division	17
Census Block Group	3
Census Block	3015
Census Tract	600401

Owner

Source: Monroe County records, as of August 14, 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	321 N LIBRARY ST, WATERLOO, IL 62298-1124
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2023	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Mar 24, 2023	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK
Feb 3, 2023	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK
Sep 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2023 · Amount on Record
Deed Sale	May 25, 2023 · Amount on Record
Deed Document Number	2023429146
Record Updated	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	May 25, 2023
Property Address	321 N LIBRARY ST, WATERLOO, IL 62298-1124
Document Number	0000429146
Map Reference	MB B PG 71
Instrument Date	May 24, 2023
Instrument	429146
Transaction Type	Transfer
Record Updated	Jun 14, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$277.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5249 DEER HILL RD, WATERLOO, IL 62298-6311

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 N LIBRARY ST, WATERLOO, IL 62298-1124

Mortgage

Document Number	0000429147
Date	May 25, 2023
Instrument	429147

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Mortgage

Document Number	0000429148
Date	May 25, 2023
Instrument	429148

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2033

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	321 N LIBRARY ST, WATERLOO, IL 62298-1124
Transaction Type	Mortgage
Record Updated	Apr 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000428387
Date	Mar 24, 2023
Instrument	428387

Lender

Name	DIETERICH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	321 N LIBRARY ST, WATERLOO, IL 62298-1124
Transaction Type	Mortgage
Record Updated	Feb 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000427808
Date	Feb 3, 2023
Instrument	427808

Lender

Name	DIETERICH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 3, 2024

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	321 N LIBRARY ST, WATERLOO, IL 62298-1124
Document Number	0000397900
Instrument Date	Sep 12, 2018
Transaction Type	Mortgage
Record Updated	Oct 1, 2018
Title Company	MONROE COUNTY TITLE COMPANY (MCTC)

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 N LIBRARY ST WATERLOO IL 622981124, WATERLOO, IL 62298-1124

Mortgage

Document Number	0000397900
Date	Sep 21, 2018
Instrument	397900

Lender

Name	DIETERICH BK NA
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Sep 20, 2025

Interest

Rate Type	Fixed Rate
Rate	4.25%

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		$27,720 (+13.84%) Land $16,050 Building $11,670	$83,160 (+13.84%) Land $48,150 Building $35,010
2024	$1,638.00
2022		$24,350 Land $14,950 Building $9,400	$73,050 Land $44,850 Building $28,200

Assessed value is set for property tax purposes, not a market price estimate; it is 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	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.

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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