432 N Library St, Waterloo, IL 62298 Property Records

Monroe County property record for 432 N Library St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,280 sqft · built 1948
Lot Size	0.51 acres (22,283 sqft)
Owner	Individual Name on Record
Last Sale	$147,000 (Mar 2020)
Tax Bill	$3,075 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-24-449-009-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-449-009-000`
Alternative APN	`07241940102300 00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,280 sqft Living Area
1st Floor Area	1,280 sqft
Basement Area	1,280 sqft
Unfinished Basement	1,280 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Construction Type	Frame
Lot Area	22,283 sqft (0.51 acres)
Lot Dimensions	317 ft deep x 70 ft wide
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	432 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 42 PAUTLER HEIGHTS #2
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Subdivision	PAUTLER HEIGHTS NO TWO (2)
Legal Lot Number	42
Jurisdiction	MONROE IL
Township / Civil Division	31
Census Block Group	3
Census Block	3004
Census Tract	600401

Owner

Source: Monroe County records, as of October 13, 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	432 N LIBRARY ST, WATERLOO, IL 62298-1125
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2025	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Mar 6, 2020	Warranty Deed, Transfer · Conventional with PMI CENTRAL BK/ST LOUIS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2020 · Amount on Record
Deed Sale	Mar 6, 2020 · Amount on Record
Deed Document Number	2020406560
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	432 N LIBRARY ST, WATERLOO, IL 62298-1125
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000440463
Date	Dec 12, 2025
Instrument	440463

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 2055

Interest

Rate Type	Fixed Rate
Rate	8.5%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Mar 6, 2020
Property Address	432 N LIBRARY ST, WATERLOO, IL 62298-1125
Document Number	0000406560
Instrument Date	Mar 5, 2020
Instrument	406560
Transaction Type	Transfer
Record Updated	Mar 25, 2020
Title Company	COLUMBIA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$221.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 N LIBRARY ST WATERLOO IL 622981125, WATERLOO, IL 62298-1125

Mortgage

Document Number	406561
Date	Mar 6, 2020
Instrument	406561

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

Tax Assessment & Valuation

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	$3,075.00 (+10.77%) Homeowner's exemption	$56,150 (+6.12%) Land $18,340 Building $37,810	$168,450 (+6.12%) Land $55,020 Building $113,430
2024	$2,776.00	$52,911 (+7.54%) Land $17,658 Building $35,253	$158,733 (+7.54%) Land $52,974 Building $105,759
2022	Additional exemption filed	$49,200 Land $16,350 Building $32,850	$147,600 Land $49,050 Building $98,550

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	Low lower than 99.1% of the US · lower than 94% 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 212 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	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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