510 S Library St, Waterloo, IL 62298 Property Records

Monroe County property record for 510 S Library St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 992 sqft · built 1917
Lot Size	0.44 acres (19,045 sqft)
Owner	Individual Name on Record
Tax Bill	$1,846 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-407-011-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-407-011-000`
Alternative APN	`07251540300400 00`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	992 sqft Building Perimeter
1st Floor Area	992 sqft
Basement Area	992 sqft
Unfinished Basement	992 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Construction Type	Frame
Lot Area	19,045 sqft (0.44 acres)
Lot Dimensions	240 ft deep x 76 ft wide
Garage Area	560 sqft
Driveway	Concrete Driveway
Driveway Area	1,836 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	315 sqft
Deck Area	99 sqft
Patio Area	369 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	510 S LIBRARY ST
City	WATERLOO
State	IL
Zip	62298-1435
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	OLD TOWN LOTS 3 & 4 HOENERS 1ST ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	HOENERS 1ST ADD
Legal Lot Number	3-4
Jurisdiction	MONROE IL
Township / Civil Division	18
Census Block Group	4
Census Block	4033
Census Tract	600501

Owner

Source: Monroe County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	510 S LIBRARY ST, WATERLOO, IL 62298-1435
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2024	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Jan 9, 2017	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	510 S LIBRARY ST, WATERLOO, IL 62298-1435
Transaction Type	Mortgage
Record Updated	May 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000432780
Date	Apr 16, 2024
Instrument	432780

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	510 S LIBRARY ST, WATERLOO, IL 62298-1435
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000412060
Date	Oct 28, 2020
Instrument	412060

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2035

Interest

Rate Type	Fixed Rate

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jan 9, 2017
Property Address	510 S LIBRARY ST, WATERLOO, IL 62298-1435
Document Number	0000387747
Instrument Date	Jan 6, 2017
Instrument	387747
Transaction Type	Transfer
Record Updated	Mar 22, 2017
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$207.75
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	510 S LIBRARY ST WATERLOO IL 622981435, WATERLOO, IL 62298-1435

Mortgage

Document Number	387748
Date	Jan 9, 2017
Instrument	387748

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 8, 2047

Interest

Rate Type	Fixed Rate
Rate	4.87%

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	$1,846.00 (-1.91%) Homeowner's exemption	$35,790 (-24.65%) Land $16,230 Building $19,560	$107,370 (-24.65%) Land $48,690 Building $58,680
2024	$1,882.00 (-29.35%)
2022	$2,664.00 Additional exemption filed	$47,500 Land $11,920 Building $35,580	$142,500 Land $35,760 Building $106,740

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 475 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	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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