1. Home
  2. Illinois
  3. Monroe County
  4. Waterloo
  5. N Library St

400 N Library St, Waterloo, IL 62298 Property Records

Monroe County property record for 400 N Library St, Waterloo, IL 62298

Property Summary

Property TypeSingle Family Home
Details2 bd · 3 ba · 1,137 sqft · built 1949
Lot Size0.24 acres (10,576 sqft)
OwnerIndividual Name on Record
Tax Bill$3,203 (2025)
Deeds & MortgagesJul 2026 Line of Credit
Jan 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN07-24-449-001-000

Property Details

APN / Parcel Number

Primary APN07-24-449-001-000
Alternative APN
  • 07241940103000 00

Interior

Bedrooms2 Beds
Full Baths3 Baths
Plumbing Fixtures9 Plumbing Fixtures
Stories1 Story
Building Area1,137 sqft Living Area
1st Floor Area1,137 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1949
Effective Year BuiltEffective 1949
Construction TypeFrame
Foundation TypeRaised
Lot Area10,576 sqft (0.24 acres)
Lot Dimensions170 ft deep x 62 ft wide
Garage TypeMixed
Garage Area360 sqft
DrivewayConcrete Driveway
Driveway Area648 sqft
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area264 sqft
Patio Area96 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address400 N LIBRARY ST
CityWATERLOO
StateIL
Zip62298-1125
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeWR3
Legal DescriptionLOT 34 PAUTLER HEIGHTS #2
Legal Range10W
Legal Township02S
Legal Section24
Legal SubdivisionPAUTLER HEIGHTS 02
Legal Lot Number34
JurisdictionMONROE IL
Township / Civil Division31
Census Block Group3
Census Block3004
Census Tract600401

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 RecordIndividual Name on Record
Mailing Address400 N LIBRARY ST, WATERLOO, IL 62298-1125
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 14, 2026Deed of Trust, Mortgage · Line of Credit
VILLAGE CAPITAL
Jan 3, 2018Deed of Trust, Mortgage · FHA Mortgage
VILLAGE CAP & INVS

Assessor's Deed Record

Deed NamesName on Deed
Record UpdatedOct 29, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE IL
Recording DateJul 14, 2026
Property Address400 N LIBRARY ST, WATERLOO, IL 62298-1125
Document Number0000443466
Instrument DateJul 7, 2026
Instrument2026443466
Transaction TypeMortgage
Record UpdatedSep 9, 2026
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address400 N LIBRARY ST, WATERLOO, IL 62298-1125

Mortgage

Document Number0000443466,
DateJul 14, 2026
Instrument2026443466
Lender
NameVILLAGE CAPITAL
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Max Rate-1%

January 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE IL
Property Address400 N LIBRARY ST, WATERLOO, IL 62298-1125
Document Number0000394181
Instrument DateJan 3, 2018
Transaction TypeMortgage
Record UpdatedFeb 8, 2018
Title CompanyMILESTONE SETTLEMENT LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address400 N LIBRARY ST WATERLOO IL 622981125, WATERLOO, IL 62298-1125

Mortgage

Document Number0000394181
DateFeb 2, 2018
Instrument394181
Lender
NameVILLAGE CAP & INVS
TypeFunding / Finance Company
AddressHENDERSON, NV 89052
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term324 Months
DueFeb 1, 2045
Interest
Rate TypeFixed Rate
Rate3.75%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyMonroe County
MunicipalityWaterloo City
Unified School DistrictWaterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,203.00 (+9.17%) Homeowner's exemption$58,260 (+11.89%) Land $16,550 Building $41,710$174,780 (+11.89%) Land $49,650 Building $125,130
2024$2,934.00
2022Additional exemption filed$52,070 Land $15,250 Building $36,820$156,210 Land $45,750 Building $110,460

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 98% of the US · lower than 86% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemWATERLOO
serves 10,190 people · EPA ID IL1330300
Water SourceGroundwater
Last State InspectionDec 2025
Lead1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting30
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

ProviderMax 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.

Nearby Properties on N Library St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures