405 N Library St, Waterloo, IL 62298 Property Records

Monroe County property record for 405 N Library St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,172 sqft · built 1948
Lot Size	0.27 acres (11,863 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,655 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jan 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`07-24-383-030-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-383-030-000`
Alternative APN	`07241830301700 00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,172 sqft Living Area
1st Floor Area	1,172 sqft
Basement Area	400 sqft
Unfinished Basement	400 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	11,863 sqft (0.27 acres)
Lot Dimensions	159 ft deep x 70 ft wide
Garage Area	528 sqft
Driveway	Asphalt Driveway
Driveway Area	1,438 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Deck Area	306 sqft
Patio Area	306 sqft
Shed	1 Shed
Shed Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	405 N LIBRARY ST
City	WATERLOO
State	IL
Zip	62298-1126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 32C PAUTLER HEIGHTS #2
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Subdivision	PAUTLER HEIGHTS 02
Legal Lot Number	32C
Jurisdiction	MONROE IL
Township / Civil Division	31
Census Block Group	3
Census Block	3020
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	405 N LIBRARY ST, WATERLOO, IL 62298-1126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Jan 17, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 14, 2019
Transfer Doc	0000399583
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	405 N LIBRARY ST, WATERLOO, IL 62298-1126
Transaction Type	Mortgage
Record Updated	Aug 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000418581
Date	Jul 21, 2021
Instrument	418581

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Jan 17, 2019
Property Address	405 N LIBRARY ST, WATERLOO, IL 62298-1126
Document Number	0000399582
Instrument Date	Jan 14, 2019
Instrument	399582
Transaction Type	Transfer
Record Updated	Feb 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 N LIBRARY ST WATERLOO IL 622981126, WATERLOO, IL 62298-1126

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	$3,655.00 (+2.96%) Homeowner's exemption	$70,450 (-0.75%) Land $16,610 Building $53,840	$211,350 (-0.75%) Land $49,830 Building $161,520
2024	$3,550.00	$70,980 (+21.42%) Land $16,285 Building $54,695	$212,940 (+21.42%) Land $48,855 Building $164,085
2022	Homeowner's exemption Additional exemption filed	$58,460 Land $15,310 Building $43,150	$175,380 Land $45,930 Building $129,450

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 150 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	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: Wisper ISP.

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