449 N Library St, Waterloo, IL 62298 Property Records

Monroe County property record for 449 N Library St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 896 sqft · built 1959
Lot Size	0.21 acres (9,329 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Feb 2021)
Tax Bill	$3,262 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-24-383-019-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-383-019-000`
Alternative APN	`07241830302700 00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	896 sqft Building Perimeter
1st Floor Area	896 sqft
Basement Area	896 sqft
Unfinished Basement	896 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Lot Area	9,329 sqft (0.21 acres)
Lot Dimensions	168 ft deep x 55 ft wide
Garage Area	336 sqft
Driveway	Concrete Driveway
Driveway Area	429 sqft

Exterior Amenities

Porch	Slab
Porch Area	132 sqft
Deck Area	144 sqft
Patio Area	238 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	449 N LIBRARY ST
City	WATERLOO
State	IL
Zip	62298-1126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 6 R.L. VOGT'S RESURVEY
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Subdivision	PAUTLER HEIGHTS
Legal Lot Number	6
Jurisdiction	MONROE IL
Township / Civil Division	31
Census Block Group	3
Census Block	3020
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	2 Individual Names on Record
Mailing Address	449 N LIBRARY ST, WATERLOO, IL 62298-1126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2021 · Amount on Record
Deed Sale	Feb 19, 2021 · Amount on Record
Deed Document Number	2021415064
Record Updated	Oct 29, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Feb 19, 2021
Property Address	449 N LIBRARY ST, WATERLOO, IL 62298-1126
Document Number	0000415064
Instrument Date	Feb 17, 2021
Instrument	415064
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	114 BURMA RD, 114, BELLEVILLE, IL 62220-2807

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	449 N LIBRARY ST, WATERLOO, IL 62298-1126

Mortgage

Document Number	0000415065
Date	Feb 19, 2021
Instrument	415065

Lender

Name	DELMAR FINANCIAL CO

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate	3.63%

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	$3,262.00 (+2.58%) Homeowner's exemption	$59,220 (+4.81%) Land $16,360 Building $42,860	$177,660 (+4.81%) Land $49,080 Building $128,580
2024	$3,180.00
2022	Additional exemption filed	$56,500 Land $15,140 Building $41,360	$169,500 Land $45,420 Building $124,080

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	Not 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 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 150 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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