404 N Library St, Waterloo, IL 62298 Property Records

Monroe County property record for 404 N Library St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,623 sqft · built 1955
Lot Size	0.51 acres (22,283 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Nov 2025)
Tax Bill	$4,193 (2024)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-24-449-003-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-449-003-000`
Alternative APN	`07241940102900 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,623 sqft Living Area
1st Floor Area	1,623 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	22,283 sqft (0.51 acres)
Lot Dimensions	317 ft deep x 70 ft wide
Garage Type	Mixed
Garage Area	322 sqft
Driveway	Concrete Driveway
Driveway Area	512 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	404 N LIBRARY ST
City	WATERLOO
State	IL
Zip	62298-1125
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 35 PAUTLER HEIGHTS #2
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Subdivision	PAUTLER HEIGHTS NO 2
Legal Lot Number	35
Jurisdiction	MONROE IL
Township / Civil Division	31
Census Block Group	3
Census Block	3004
Census Tract	600401

Owner

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	2 Individual Names on Record
Mailing Address	4009 AUTUMN OAK DR, SMITHTON, IL 62285-3534
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2025	Warranty Deed, Transfer · Conventional Mortgage STATE BANK
Feb 22, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK OF BELLEVILLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2025 · Amount on Record
Deed Sale	Nov 25, 2025 · Amount on Record
Prior Sale	Apr 21, 2025 · Amount on Record
Deed Document Number	2025440224
Record Updated	Sep 20, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Nov 25, 2025
Property Address	404 N LIBRARY ST, WATERLOO, IL 62298-1125
Document Number	0000440224
Map Reference	MB A PG 193
Instrument Date	Nov 18, 2025
Instrument	440224
Transaction Type	Transfer
Record Updated	Dec 10, 2025
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$382.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	404 N LIBERTY ST, WATERLOO, IL 62298

Mortgage

Document Number	0000440225
Date	Nov 25, 2025
Instrument	440225

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.75%

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Feb 22, 2021
Property Address	404 N LIBRARY ST, WATERLOO, IL 62298-1125
Document Number	0000415096
Map Reference	MB A PG 193
Instrument Date	Feb 19, 2021
Instrument	415096
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	404 N LIBRARY ST, WATERLOO, IL 62298-1125

Mortgage

Document Number	0000415097
Date	Feb 22, 2021
Instrument	415097

Lender

Name	BANK OF BELLEVILLE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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		$79,950 (+4.04%) Land $18,340 Building $61,610	$239,850 (+4.04%) Land $55,020 Building $184,830
2024	$4,193.00 Additional exemption filed	$76,842 (+24.08%) Land $17,658 Building $59,184	$230,526 (+24.08%) Land $52,974 Building $177,552
2022	Additional exemption filed	$61,930 Land $16,350 Building $45,580	$185,790 Land $49,050 Building $136,740

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	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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