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445 N Library St, Waterloo, IL 62298 Property Records

Monroe County property record for 445 N Library St, Waterloo, IL 62298

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,160 sqft · built 1952
Lot Size0.26 acres (11,364 sqft)
OwnerCompany Name on File
Last Sale$147,500 (Oct 2019)
Tax Bill$1,809 (2024)
Deeds & MortgagesOct 2018 Sale
Oct 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN07-24-383-020-000

Property Details

APN / Parcel Number

Primary APN07-24-383-020-000
Alternative APN
  • 07241830302600 00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures6 Plumbing Fixtures
Stories1 Story
Building Area1,160 sqft Living Area
1st Floor Area1,160 sqft
Basement Area1,160 sqft
Unfinished Basement1,160 sqft

Exterior

Year BuiltBuilt 1952
Effective Year BuiltEffective 1952
Exterior MaterialBrick/Stone
Construction TypeMasonry / Concrete Block
Lot Area11,364 sqft (0.26 acres)
Lot Dimensions167 ft deep x 70 ft wide
Garage Area308 sqft
Parking Spaces1 Parking Space
PorchPorch
Porch Area96 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Street Address445 N LIBRARY ST
CityWATERLOO
StateIL
Zip62298-1126
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeWR3
Legal DescriptionPART LOT 22 PAUTLER HEIGHTS #2
Legal Range10W
Legal Township02S
Legal Section24
Legal SubdivisionPAUTLER HEIGHTS NO TWO (2)
Legal Lot Number22
JurisdictionMONROE IL
Township / Civil Division31
Census Block Group3
Census Block3020
Census Tract600401

Owner

Source: Monroe County assessment roll, as of August 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address445 N LIBRARY ST, WATERLOO, IL 62298-1126
OccupancyOwner Occupied
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Oct 15, 2018Grant Deed, Transfer
MONROE COUNTY TITLE COMPANY (MCTC)
Oct 10, 2019Warranty Deed, Transfer · Conventional Mortgage
FIRST NATIONAL BANK WATERLOO

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 10, 2019 · Amount on Record
Deed SaleOct 10, 2019 · Amount on Record
Prior SaleOct 15, 2018 · Amount on Record
Deed Document Number2019404101
Prior Transfer DateOct 8, 2019
Prior Transfer Doc0000404101
Record UpdatedSep 20, 2026

October 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionMONROE IL
Recording DateOct 15, 2018
Property Address445 N LIBRARY ST, WATERLOO, IL 62298-1126
Document Number0000398246
Instrument DateOct 12, 2018
Instrument398246
Transaction TypeTransfer
Record UpdatedOct 30, 2018
Title CompanyMONROE COUNTY TITLE COMPANY (MCTC)

Transaction

AmountAmount Recorded
Tax$216.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address624 JAMES ST WATERLOO IL 622981037, WATERLOO, IL 62298-1037

October 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE IL
Recording DateOct 10, 2019
Property Address445 N LIBRARY ST, WATERLOO, IL 62298-1126
Document Number0000404101
Instrument DateOct 8, 2018
Instrument404101
Transaction TypeTransfer
Record UpdatedApr 22, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$221.25
Amount AccuracyCalculated from Transfer Tax

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address445 N LIBRARY ST, WATERLOO, IL 62298-1126

Mortgage

Document Number0000404102
DateOct 10, 2019
Instrument404102
Lender
NameFIRST NATIONAL BANK WATERLOO
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

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$34,630 (-13.68%) Land $15,030 Building $19,600$103,890 (-13.68%) Land $45,090 Building $58,800
2024$1,809.00
2022Additional exemption filed$40,120 Land $12,660 Building $27,460$120,360 Land $37,980 Building $82,380

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within ember reach

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
HTC Holding
DSL · Fiber in parts of the area		100 / 20

May also be available: Wisper ISP.

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