Monroe County property record for 424 S Library St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,176 sqft · built 1880 |
| Lot Size | 0.15 acres (6,389 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,358 (2024) |
| Deeds & Mortgages | Sep 2025 Mortgage Aug 2017 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-406-011-000 |
| Primary APN | 07-25-406-011-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| 1st Floor Area | 1,176 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 6,389 sqft (0.15 acres) |
| Lot Dimensions | 100 ft deep x 60 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 48 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 424 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 | PART LOTS 2 & 3 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 | 2,3 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 18 |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 600501 |
Source: Monroe County records · APN 07-25-406-011-000
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 | Individual Name on File |
|---|---|
| Mailing Address | 424 S LIBRARY ST, WATERLOO, IL 62298-1433 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 05, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Aug 03, 2017 | Grant Deed, Transfer · Conventional with PMI QUICKEN LNS |
| May 16, 2017 | Grant Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 424 S LIBRARY ST, WATERLOO, IL 62298-1433 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000439138 |
|---|---|
| Date | Sep 05, 2025 |
| Instrument | 439138 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2055 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Aug 03, 2017 |
| Property Address | 424 S LIBRARY ST, WATERLOO, IL 62298-1433 |
| Document Number | 0000391245 |
| Instrument Date | Jul 26, 2017 |
| Instrument | 391245 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $105.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 211 N LIBRARY ST WATERLOO IL 622981228, WATERLOO, IL 62298-1228 |
| Document Number | 391246 |
|---|---|
| Date | Aug 03, 2017 |
| Instrument | 391246 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 02, 2047 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | May 16, 2017 |
| Property Address | 424 S LIBRARY ST, WATERLOO, IL 62298-1433 |
| Document Number | 0000389857 |
| Instrument Date | Apr 27, 2017 |
| Instrument | 389857 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Address | 14221 DALLAS PKWY #1000 DALLAS TX 752542946, 1000, DALLAS, TX 75254-2946 |
| Investor | Possibly a Property Investor |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $47,280 (+15.63%) Land $15,820 Building $31,460 | $141,840 (+15.63%) Land $47,460 Building $94,380 | |
| 2024 | $2,358.00 | ||
| 2022 | Additional exemption filed | $40,890 (+19.04%) Land $14,800 Building $26,090 | $122,670 (+19.04%) Land $44,400 Building $78,270 |
| 2021 | Additional exemption filed | $34,350 Land $8,680 Building $25,670 | $103,050 Land $26,040 Building $77,010 |
Source: FEMA National Flood Hazard Layer, Monroe County (17133C), as of August 18, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| HTC Holding DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Wisper ISP.
Based on FCC filings for 475 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system IL1330300, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERLOO serves 10,190 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2025 |
| Lead | 1 ppb (2026–2028) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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