410 S Library St, Waterloo, IL 62298 Property Records

Monroe County property record for 410 S Library St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 758 sqft · built 1910
Lot Size	0.15 acres (6,579 sqft)
Owner	Individual Name on File
Tax Bill	$2,162 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-406-005-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-406-005-000`
Alternative APN	`07251540200500 00`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	758 sqft Building Perimeter
1st Floor Area	758 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Construction Type	Frame
Foundation Type	Raised
Lot Area	6,579 sqft (0.15 acres)
Lot Dimensions	125 ft deep x 50 ft wide

Exterior Amenities

Porch	Slab
Porch Area	246 sqft
Shed	1 Shed
Shed Area	84 sqft

Location & Zoning

Street Address	410 S LIBRARY ST
City	WATERLOO
State	IL
Zip	62298-1433
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 9 BLK 8 ROSE & O'MELVENY'S ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	ROSE & OMELVENEYS ADD
Legal Block	8
Legal Lot Number	9
Jurisdiction	MONROE IL
Township / Civil Division	18
Census Block Group	4
Census Block	4003
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

410 S Library St is owned and occupied by an individual.

Source: Monroe County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	410 S LIBRARY ST, WATERLOO, IL 62298-1433
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Jun 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	410 S LIBRARY ST, WATERLOO, IL 62298-1433
Transaction Type	Mortgage
Record Updated	Aug 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000429786
Date	Jul 14, 2023
Instrument	429786

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	410 S LIBRARY ST, WATERLOO, IL 62298-1433
Transaction Type	Mortgage
Record Updated	Jul 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000417827
Date	Jun 14, 2021
Instrument	417827

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2036

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 410 S Library St was $2,162 with a homeowner's exemption, up 29% from the year before.

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	$2,162.00 (+29%) Homeowner's exemption Senior Citizen's exemption	$45,730 Land $15,880 Building $29,850	$137,190 Land $47,640 Building $89,550
2024	$1,676.00
2022	$2,123.00 Additional exemption filed	$39,070 Land $14,830 Building $24,240	$117,210 Land $44,490 Building $72,720

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

Flood

FEMA maps place 410 S Library St in Zone X, an area of minimal flood risk.

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

The area around 410 S Library St has no burnable land within ember reach, so its wildfire risk is not rated.

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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