704 S Library St, Waterloo, IL 62298 Property Records

Monroe County property record for 704 S Library St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,155 sqft · built 1995
Lot Size	0.23 acres (10,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$189,000 (Oct 2020)
Tax Bill	$4,969 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-452-023-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-452-023-000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	1,155 sqft Living Area
1st Floor Area	1,155 sqft
Basement Area	1,155 sqft
Unfinished Basement	1,155 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Construction Type	Frame
Roof Type	Cathedral/Clerestory
Lot Area	10,148 sqft (0.23 acres)
Garage Area	420 sqft
Driveway	Concrete Driveway
Driveway Area	504 sqft

Exterior Amenities

Porch	Slab
Porch Area	38 sqft
Deck Area	204 sqft
Patio Area	528 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	704 S LIBRARY ST
City	WATERLOO
State	IL
Zip	62298-1439
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WR3
Legal Description	LOT 23 HISTORIC ESTATES 1ST ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	HISTORIC ESTATES
Legal Lot Number	23
Jurisdiction	MONROE IL
Township / Civil Division	18
Census Block Group	4
Census Block	4043
Census Tract	600501

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	704 S LIBRARY ST, WATERLOO, IL 62298-1439
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2020 · Amount on Record
Deed Sale	Oct 21, 2020 · Amount on Record
Deed Document Number	2020411848
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 21, 2020
Property Address	704 S LIBRARY ST, WATERLOO, IL 62298-1439
Document Number	0000411848
Map Reference	MB 128 PG 318
Instrument Date	Oct 19, 2020
Instrument	411848
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$283.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 S LIBRARY ST, WATERLOO, IL 62298-1439

Mortgage

Document Number	0000411849
Date	Oct 21, 2020
Instrument	411849

Lender

Name	JLB CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	2.88%

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	$4,969.00 (+6.04%) Homeowner's exemption	$87,200 (+35.3%) Land $16,390 Building $70,810	$261,600 (+35.3%) Land $49,170 Building $212,430
2024	$4,686.00
2022	Additional exemption filed	$64,450 Land $15,140 Building $49,310	$193,350 Land $45,420 Building $147,930

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
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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