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437 N Library St, Waterloo, IL 62298 Property Records

Monroe County property record for 437 N Library St, Waterloo, IL 62298

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,484 sqft · built 1950
Lot Size0.27 acres (11,764 sqft)
Owner2 Individual Names on File
Last Sale$205,000 (Jul 2023)
Tax Bill$4,019 (2025)
Deeds & MortgagesJul 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN07-24-383-022-000

Property Details

APN / Parcel Number

Primary APN07-24-383-022-000
Alternative APN
  • 07241830302400 00

Interior

Bedrooms3 Beds
Full Baths3 Baths
Plumbing Fixtures8 Plumbing Fixtures
Stories1 Story
Building Area1,484 sqft Living Area
1st Floor Area1,484 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1950
Effective Year BuiltEffective 1950
Construction TypeFrame
Foundation TypeRaised
Lot Area11,764 sqft (0.27 acres)
Lot Dimensions157 ft deep x 70 ft wide
Garage Area280 sqft
Parking Spaces1 Parking Space
Deck Area120 sqft
Patio Area392 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address437 N LIBRARY ST
CityWATERLOO
StateIL
Zip62298-1126
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeWR3
Legal DescriptionLOT 24A PAUTLER HEIGHTS #2 0213648
Legal Range10W
Legal Township02S
Legal Section24
Legal Lot Number24A
JurisdictionMONROE IL
Township / Civil Division31
Census Block Group3
Census Block3020
Census Tract600401

Owner

437 N Library St is owned and occupied by two individuals who bought it in July 2023.

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

Owner of Record2 Individual Names on File
Mailing Address437 N LIBRARY ST, WATERLOO, IL 62298-1126
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 25, 2023 · Amount on File
Deed SaleJul 25, 2023 · Amount on File
Deed Document Number2023429886
Record UpdatedOct 29, 2026

July 2023: Deed, Transfer

Document TypeDeed
JurisdictionMONROE IL
Recording DateJul 25, 2023
Property Address437 N LIBRARY ST, WATERLOO, IL 62298-1126
Document Number0000429886
Map ReferenceMB A PG 193
Instrument DateJul 24, 2023
Instrument429886
Transaction TypeTransfer
Record UpdatedAug 16, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$307.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2706 MYRICK DR, WATERLOO, IL 62298-5338

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address437 N LIBRARY ST, WATERLOO, IL 62298-1126

Mortgage

Document Number0000429887
DateJul 25, 2023
Instrument429887
Lender
NameCARROLLTON BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueAug 1, 2053
Interest
Rate TypeFixed Rate
Rate6.5%

Tax Assessment & Valuation

The 2025 property tax bill for 437 N Library St was $4,019, up 7.6% from the year before.

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyMonroe County
MunicipalityWaterloo City
Unified School DistrictWaterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,019.00 (+7.57%) Homeowner's exemption$71,620 Land $16,600 Building $55,020$214,860 Land $49,800 Building $165,060
2024$3,736.00
2022Homeowner's exemption Additional exemption filed$56,000 (-0.41%) Land $15,280 Building $40,720$168,000 (-0.41%) Land $45,840 Building $122,160
2021Homeowner's exemption Senior Citizen's exemption Additional exemption filed$56,230 Land $12,900 Building $43,330$168,690 Land $38,700 Building $129,990

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 437 N Library St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 18, 2025

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 437 N 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 RiskNot 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 SystemWATERLOO
serves 10,190 people · EPA ID IL1330300
Water SourceGroundwater
Last State InspectionDec 2025
Lead1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting30
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 150 locations within half a mile, as of December 31, 2025

ProviderMax 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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