Monroe County property record for 709 S Library St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,088 sqft · built 2019 |
| Lot Size | 0.24 acres (10,421 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,706 (2024) |
| Deeds & Mortgages | Nov 2019 Mortgage Jan 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-450-013-000 |
| Primary APN | 07-25-450-013-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,088 sqft Living Area |
| 1st Floor Area | 1,088 sqft |
| Basement Area | 1,088 sqft |
| Unfinished Basement | 1,088 sqft |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Lot Area | 10,421 sqft (0.24 acres) |
| Garage Area | 484 sqft |
| Cooling System | Central |
|---|
| Street Address | 709 S LIBRARY ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1440 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR3 |
| Legal Description | S 26 FT LOT 22 ALL LOT 23 LELAND TERRACE 1 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | LELAND TERRACE |
| Legal Lot Number | 22 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 18 |
| Census Block Group | 4 |
| Census Block | 4011 |
| Census Tract | 600501 |
Source: Monroe County records · APN 07-25-450-013-000
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 | 709 S LIBRARY ST, WATERLOO, IL 62298-1440 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 13, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK |
| Jan 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage DELMAR FINANCIAL CO |
| Jul 22, 2019 | Trustee's Deed, Construction Loan · Line of Credit BANK OF EDWARDSVILLE |
| Aug 27, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Aug 02, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 709 S LIBRARY ST, WATERLOO, IL 62298-1440 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2021 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000404696 |
|---|---|
| Date | Nov 13, 2019 |
| Instrument | 404696 |
| Name | BUSEY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 709 S LIBRARY ST, WATERLOO, IL 62298-1440 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000414559 |
|---|---|
| Date | Jan 28, 2021 |
| Instrument | 414559 |
| Name | DELMAR FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jul 22, 2019 |
| Property Address | 709 S LIBRARY ST, WATERLOO, IL 62298-1440 |
| Instrument Date | Jun 14, 2019 |
| Instrument | 402567 |
| Transaction Type | Construction Loan |
| Record Updated | Jul 31, 2019 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|---|
| Address | 744 WARD WATERLOO IL 62298, WATERLOO, IL 62298 |
| Document Number | 0000402567 |
|---|---|
| Date | Jul 22, 2019 |
| Instrument | 402567 |
| Name | BANK OF EDWARDSVILLE |
|---|---|
| Type | Bank |
| Address | GRANITE CITY, IL 62040 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Aug 27, 2018 |
| Property Address | 709 S LIBRARY ST, WATERLOO, IL 62298-1440 |
| Document Number | 0000397564 |
| Instrument Date | Aug 23, 2018 |
| Instrument | 397564 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 734 WARD WATERLOO IL 62298, WATERLOO, IL 62298 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Aug 02, 2017 |
| Property Address | 709 S LIBRARY ST, WATERLOO, IL 62298-1440 |
| Document Number | 0000391244 |
| Instrument Date | Aug 02, 2017 |
| Instrument | 391244 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 709 S LIBRARY ST WATERLOO IL 62298, WATERLOO, IL 62298 |
Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $90,330 (+25.77%) Land $16,740 Building $73,590 | $270,990 (+25.77%) Land $50,220 Building $220,770 | |
| 2024 | $3,706.00 | ||
| 2022 | Additional exemption filed | $71,820 Land $15,370 Building $56,450 | $215,460 Land $46,110 Building $169,350 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 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 475 locations within half a mile of this property.
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 |
| 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.
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