Monroe County property record for 421 S Library St, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,304 sqft · built 1936 |
| Lot Size | 0.12 acres (5,267 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,013 (2024) |
| Deeds & Mortgages | Jan 2026 Mortgage Mar 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-404-010-000 |
| Primary APN | 07-25-404-010-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,304 sqft Living Area |
| 1st Floor Area | 1,304 sqft |
| Year Built | Built 1936 |
|---|---|
| Effective Year Built | Effective 1936 |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 5,267 sqft (0.12 acres) |
| Lot Dimensions | 105 ft deep x 49 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Driveway | Concrete Driveway |
| Driveway Area | 240 sqft |
| Porch | Porch |
| Porch Area | 210 sqft |
| Patio Area | 116 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 421 S LIBRARY ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1468 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 18A LOT 17 & 18 ROSE & OMELVENEYS ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | ROSE & OMELVENEYS ADD |
| Legal Lot Number | 18A |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 18 |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 600501 |
Source: Monroe County records · APN 07-25-404-010-000
Assessment roll updated August 29, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 421 S LIBRARY ST, WATERLOO, IL 62298-1468 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU |
| Mar 28, 2023 | Deed of Trust, Mortgage · FHA Mortgage FIRST INTEGRITY MORTGAGE SVCS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 421 S LIBRARY ST, WATERLOO, IL 62298-1468 |
| Transaction Type | Mortgage |
| Record Updated | Feb 04, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000440953 |
|---|---|
| Date | Jan 21, 2026 |
| Instrument | 440953 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 421 S LIBRARY ST, WATERLOO, IL 62298-1468 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000428426 |
|---|---|
| Date | Mar 28, 2023 |
| Instrument | 428426 |
| Name | FIRST INTEGRITY MORTGAGE SVCS |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.75% |
Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $58,720 (+17.86%) Land $15,660 Building $43,060 | $176,160 (+17.86%) Land $46,980 Building $129,180 | |
| 2024 | $3,013.00 | ||
| 2022 | Additional exemption filed | $49,820 Land $14,700 Building $35,120 | $149,460 Land $44,100 Building $105,360 |
Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 475 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| HTC Holding | DSL | 100 / 20 |
May also be available at this address: HTC Holding, Wisper ISP, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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