458 N Library St, Waterloo, IL 62298 Property Records

Monroe County property record for 458 N Library St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,220 sqft · built 1946
Lot Size	0.2 acres (8,776 sqft)
Owner	Individual Name on File
Last Sale	$164,000 (Nov 2022)
Tax Bill	$3,248 (2024)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-24-449-019-000`

Property Details

APN / Parcel Number

Primary APN	`07-24-449-019-000`
Alternative APN	`07241940101400 00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,220 sqft Living Area
1st Floor Area	1,220 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	8,776 sqft (0.2 acres)
Lot Dimensions	150 ft deep x 55 ft wide
Garage Type	Carport
Garage Area	308 sqft
Carport	Carport
Carport Area	308 sqft
Driveway	Concrete Driveway
Driveway Area	630 sqft
Porch	Slab
Porch Area	60 sqft
Patio Area	195 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	458 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 4 R.L. VOGT'S RESURVEY
Legal Range	10W
Legal Township	02S
Legal Section	24
Legal Subdivision	PAUTLER HEIGHTS
Legal Lot Number	4
Jurisdiction	MONROE IL
Township / Civil Division	31
Census Block Group	3
Census Block	3004
Census Tract	600401

Owner

Source: Monroe County records · APN 07-24-449-019-000

Assessment roll updated August 29, 2025 · Last verified July 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 File
Mailing Address	458 N LIBRARY ST, WATERLOO, IL 62298-1125
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 08, 2022 · Amount on Record
Deed Sale	Nov 08, 2022 · Amount on Record
Deed Document Number	2022426873
Record Updated	Sep 20, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Nov 08, 2022
Property Address	458 N LIBRARY ST, WATERLOO, IL 62298-1125
Document Number	0000426873
Instrument Date	Nov 01, 2022
Instrument	426873
Transaction Type	Transfer
Record Updated	Nov 23, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$246.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	132 NORTHPOINTE DR, 132, OXFORD, MS 38655-7714

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	458 N LIBERTY ST, WATERLOO, IL 62298

Mortgage

Document Number	0000426874
Date	Nov 08, 2022
Instrument	426874

Lender

Name	GUARANTEED RATE INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

Interest

Rate Type	Fixed Rate
Rate	6.88%

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$60,600 (+21.81%) Land $16,170 Building $44,430	$181,800 (+21.81%) Land $48,510 Building $133,290
2024	$3,248.00
2022	Additional exemption filed	$49,750 Land $15,020 Building $34,730	$149,250 Land $45,060 Building $104,190

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 18, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max 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.

Based on FCC filings for 212 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	WATERLOO serves 10,190 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.