454 N Library St, Waterloo, IL 62298 Property Records

Monroe County property record for 454 N Library St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 840 sqft · built 1945
Lot Size	0.24 acres (10,432 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Feb 2024)
Tax Bill	$3,399 (2025)
Deeds & Mortgages	Feb 2024 Sale Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-24-449-018-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-449-018-000`
Alternative APN	`07241940101500 00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	840 sqft Living Area
1st Floor Area	840 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Construction Type	Frame
Lot Area	10,432 sqft (0.24 acres)
Lot Dimensions	180 ft deep x 55 ft wide
Garage Type	Carport
Garage Area	308 sqft
Carport	Carport
Carport Area	308 sqft
Driveway	Concrete Driveway
Driveway Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	454 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 3 R.L. VOGT'S RESURVEY & PART LOT 48 PAUTLER HEIGHTS #2
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Subdivision	PAUTLER HEIGHTS
Legal Lot Number	3
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	2 Individual Names on Record
Mailing Address	1016 OAK CREEK LN, WATERLOO, IL 62298-2877
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2024	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 17, 2020	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2024 · Amount on Record
Deed Sale	Feb 22, 2024 · Amount on Record
Prior Sale	Apr 17, 2020 · Amount on Record
Deed Document Number	2024432188
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Feb 22, 2024
Property Address	454 N LIBRARY ST, WATERLOO, IL 62298-1125
Document Number	0000432188
Instrument Date	Feb 21, 2024
Instrument	432188
Transaction Type	Transfer
Record Updated	Mar 6, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$270.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4801 CHAUSSE LN, RED BUD, IL 62278-2562

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	454 N LIBRARY ST, WATERLOO, IL 62298-1125

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Apr 17, 2020
Property Address	454 N LIBRARY ST, WATERLOO, IL 62298-1125
Document Number	0000407400
Instrument Date	Apr 16, 2020
Instrument	407400
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$207.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	454 N LIBRARY ST, 454, WATERLOO, IL 62298-1125

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 N LIBRARY ST, WATERLOO, IL 62298-1125

Mortgage

Document Number	0000407401
Date	Apr 17, 2020
Instrument	407401

Lender

Name	FAIRWAY INDEPENDENT MTG CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$3,399.00	$55,710 (+22.36%) Land $16,460 Building $39,250	$167,130 (+22.36%) Land $49,380 Building $117,750
2024	$3,399.00
2022	Additional exemption filed	$45,530 Land $15,200 Building $30,330	$136,590 Land $45,600 Building $90,990

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

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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