Monroe County property record for 606 S Library St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 720 sqft · built 1949 |
| Lot Size | 0.17 acres (7,399 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,358 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-451-005-000 |
| Primary APN | 07-25-451-005-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 720 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Basement Area | 720 sqft |
| Unfinished Basement | 720 sqft |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Construction Type | Frame |
| Lot Area | 7,399 sqft (0.17 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Driveway | Asphalt Driveway |
| Driveway Area | 440 sqft |
| Patio Area | 100 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 606 S LIBRARY ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1437 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | TOWN LOT 55A SUR 394 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | WATERLOO |
| Legal Lot Number | 55A |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 18 |
| Census Block Group | 4 |
| Census Block | 4032 |
| Census Tract | 600501 |
606 S Library St is owned and occupied by two individuals who acquired it in January 2025.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 606 S LIBRARY ST, WATERLOO, IL 62298-1437 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE BANK |
| Jun 9, 2021 | Deed of Trust, Mortgage · Stand-Alone First Mortgage STATE BANK |
| Sep 12, 2017 | Deed of Trust, Mortgage · Conventional Mortgage STATE BK/WATERLOO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jan 9, 2025 |
| Transfer Doc | 0000436160 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 606 S LIBRARY ST, WATERLOO, IL 62298-1437 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000417590 |
|---|---|
| Date | Jun 2, 2021 |
| Instrument | 417590 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 1, 2036 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 606 S LIBRARY ST, WATERLOO, IL 62298-1437 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000417715 |
|---|---|
| Date | Jun 9, 2021 |
| Instrument | 417715 |
| Name | STATE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 606 S LIBRARY ST, WATERLOO, IL 62298-1437 |
| Document Number | 0000391983 |
| Instrument Date | Sep 12, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 606 S LIBRARY ST WATERLOO IL 622981437, WATERLOO, IL 62298-1437 |
| Document Number | 0000391983 |
|---|---|
| Date | Sep 18, 2017 |
| Instrument | 391983 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 17, 2027 |
The 2025 property tax bill for 606 S Library St was $2,358, up 9.7% from the year before.
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,358.00 (+9.67%) Homeowner's exemption Disabled Person's exemption | $46,320 Land $16,050 Building $30,270 | $138,960 Land $48,150 Building $90,810 |
| 2024 | $2,150.00 | ||
| 2022 | Additional exemption filed | $40,880 Land $14,950 Building $25,930 | $122,640 Land $44,850 Building $77,790 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 606 S Library St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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.
The area around 606 S Library St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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