407 S Library St, Waterloo, IL 62298 Property Records

Monroe County property record for 407 S Library St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,240 sqft · built 1910
Lot Size	0.19 acres (8,094 sqft)
Owner	Individual Name on Record
Last Sale	$109,000 (Dec 2017)
Tax Bill	$1,890 (2024)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-403-008-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-403-008-000`
Alternative APN	`07251540101200 00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,240 sqft Living Area
1st Floor Area	1,240 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	8,094 sqft (0.19 acres)
Lot Dimensions	100 ft deep x 77 ft wide
Driveway	Concrete Driveway
Driveway Area	399 sqft
Patio Area	195 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	407 S LIBRARY ST
City	WATERLOO
State	IL
Zip	62298-1434
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	S PART LOT 17 & 18B ROSE & OMELVENEYS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	ROSE & OMELVENEYS ADD
Legal Lot Number	17,18
Jurisdiction	MONROE IL
Township / Civil Division	18
Census Block Group	4
Census Block	4004
Census Tract	600501

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Waterloo Historic District listed 1978 · 236 contributing resources · NRIS 78001177

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Individual Name on Record
Mailing Address	407 S LIBRARY ST, WATERLOO, IL 62298-1434
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2025	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP
Dec 12, 2017	Deed, Transfer · Conventional Mortgage TOWN & COUNTRY BANC MTG SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2017 · Amount on Record
Deed Sale	Dec 12, 2017 · Amount on Record
Deed Document Number	2017393395
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	407 S LIBRARY ST, WATERLOO, IL 62298-1434
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000440687
Date	Dec 29, 2025
Instrument	440687

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.75%

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Dec 12, 2017
Property Address	407 S LIBRARY ST, WATERLOO, IL 62298-1434
Document Number	0000393395
Map Reference	MB 0 347B
Instrument Date	Dec 11, 2017
Instrument	393395
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	$163.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 S LIBRARY ST, WATERLOO, IL 62298-1434

Mortgage

Document Number	0000393396
Date	Dec 12, 2017
Instrument	393396

Lender

Name	TOWN & COUNTRY BANC MTG SVCS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2048

Interest

Rate Type	Fixed Rate

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		$39,490 (+7.9%) Land $16,090 Building $23,400	$118,470 (+7.9%) Land $48,270 Building $70,200
2024	$1,890.00
2022	Additional exemption filed	$36,600 Land $14,960 Building $21,640	$109,800 Land $44,880 Building $64,920

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	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 475 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: Wisper ISP.

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