424 N Library St, Waterloo, IL 62298 Property Records

Monroe County property record for 424 N Library St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 928 sqft · built 1950
Lot Size	0.51 acres (22,283 sqft)
Owner	2 Individual Names on File
Last Sale	$206,500 (Aug 2020)
Tax Bill	$3,332 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-24-449-007-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-449-007-000`
Alternative APN	`07241940102500 00`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	928 sqft Building Perimeter
1st Floor Area	928 sqft
Basement Area	928 sqft
Unfinished Basement	928 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Frame
Lot Area	22,283 sqft (0.51 acres)
Lot Dimensions	317 ft deep x 70 ft wide
Garage Area	1,200 sqft
Driveway	Asphalt Driveway
Driveway Area	330 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	424 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 40 PAUTLER HEIGHTS #2
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Subdivision	PAUTLER HEIGHTS NO 2
Legal Lot Number	40
Jurisdiction	MONROE IL
Township / Civil Division	31
Census Block Group	3
Census Block	3004
Census Tract	600401

Owner

424 N Library St is owned and occupied by two individuals who bought it in August 2020.

Source: Monroe County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	424 N LIBRARY ST, WATERLOO, IL 62298-1125
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2020	Warranty Deed, Transfer · Conventional Mortgage TIAA FSB
Sep 17, 2019	Warranty Deed, Transfer GUARANTEED RATE
Nov 16, 2017	Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2020 · Amount on File
Deed Sale	Aug 13, 2020 · Amount on File
Prior Sale	Sep 17, 2019 · Amount on File
Deed Document Number	2020410194
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Aug 13, 2020
Property Address	424 N LIBRARY ST, WATERLOO, IL 62298-1125
Document Number	0000410194
Instrument Date	Aug 13, 2020
Instrument	410194
Transaction Type	Transfer
Record Updated	Aug 27, 2020
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$310.00
Amount Accuracy	Confirmed
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	3106 COLONY DR SAN ANTONIO TX 782303418, SAN ANTONIO, TX 78230-3418

Mortgage

Document Number	410195
Date	Aug 13, 2020
Instrument	410195

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 12, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Sep 17, 2019
Property Address	424 N LIBRARY ST, WATERLOO, IL 62298-1125
Document Number	0000403635
Instrument Date	Sep 17, 2019
Instrument	403635
Transaction Type	Transfer
Record Updated	Oct 2, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$277.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3006 AHNE RD WATERLOO IL 622986406, WATERLOO, IL 62298-6406

Mortgage

Document Number	403636
Date	Sep 17, 2019
Instrument	403636

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 16, 2049

Interest

Rate Type	Fixed Rate
Rate	3.75%

November 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Nov 16, 2017
Property Address	424 N LIBRARY ST, WATERLOO, IL 62298-1125
Document Number	0000392972
Instrument Date	Nov 15, 2017
Instrument	392972
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$267.75
Amount Accuracy	Calculated from Transfer Tax
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	424 N LIBRARY ST, WATERLOO, IL 62298-1125

Mortgage

Document Number	0000392973
Date	Nov 16, 2017
Instrument	392973

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 424 N Library St was $3,332 with a homeowner's exemption, up 3.2% 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	$3,332.00 (+3.16%) Homeowner's exemption	$65,160 Land $18,340 Building $46,820	$195,480 Land $55,020 Building $140,460
2024	$3,230.00
2022	Homeowner's exemption Additional exemption filed	$61,770 Land $16,350 Building $45,420	$185,310 Land $49,050 Building $136,260

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

FEMA maps place 424 N 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

Wildfire risk around 424 N Library St is low, with less than a 0.01% annual chance of 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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