716 S Library St, Waterloo, IL 62298 Property Records

Monroe County property record for 716 S Library St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 936 sqft · built 1998
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Dec 2021)
Tax Bill	$4,257 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-452-020-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-452-020-000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	936 sqft Living Area
1st Floor Area	936 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Frame
Lot Area	9,583 sqft (0.22 acres)
Garage Area	484 sqft
Driveway	Concrete Driveway
Driveway Area	720 sqft
Porch	Slab
Porch Area	84 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	716 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 20 HISTORIC ESTATES 1ST ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	HISTORIC ESTATES
Legal Lot Number	20
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	716 S LIBRARY ST, WATERLOO, IL 62298-1439
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2025	Deed of Trust, Mortgage HUD
Dec 20, 2021	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Jul 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Dec 29, 2017	Warranty Deed, Transfer · Conventional with PMI STATE BK/WATERLOO
May 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2021 · Amount on Record
Deed Sale	Dec 20, 2021 · Amount on Record
Prior Sale	Dec 29, 2017 · Amount on Record
Deed Document Number	2021421554
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	716 S LIBRARY ST, WATERLOO, IL 62298-1439
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000439785
Date	Oct 24, 2025
Instrument	439785

Lender

Name	HUD
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	324 Months
Due	Jan 1, 2052

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Dec 20, 2021
Property Address	716 S LIBRARY ST, WATERLOO, IL 62298-1439
Document Number	0000421554
Map Reference	MB 128 PG 318
Instrument Date	Dec 17, 2021
Instrument	421554
Transaction Type	Transfer
Record Updated	Jan 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$307.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	716 S LIBRARY ST, WATERLOO, IL 62298-1439

Mortgage

Document Number	0000421555
Date	Dec 20, 2021
Instrument	421555

Lender

Name	GUARANTEED RATE INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate	3.5%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	716 S LIBRARY ST, WATERLOO, IL 62298-1439
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000409758
Date	Jul 27, 2020
Instrument	409758

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Dec 29, 2017
Property Address	716 S LIBRARY ST, WATERLOO, IL 62298-1439
Document Number	0000393697
Instrument Date	Dec 29, 2017
Instrument	393697
Transaction Type	Transfer
Record Updated	Jan 15, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	716 S LIBRARY ST WATERLOO IL 622981439, WATERLOO, IL 62298-1439

Mortgage

Document Number	393698
Date	Dec 29, 2017
Instrument	393698

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 2047

Interest

Rate	4.12%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	716 S LIBRARY ST, WATERLOO, IL 62298-1439
Document Number	0000390228
Instrument Date	May 27, 2017
Transaction Type	Mortgage
Record Updated	Jun 19, 2017
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	716 S LIBRARY ST WATERLOO IL 622981439, WATERLOO, IL 62298-1439

Mortgage

Document Number	0000390228
Date	Jun 5, 2017
Instrument	390228

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 4, 2032

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	$4,257.00 (+6.37%) Homeowner's exemption	$75,530 (+35.5%) Land $16,390 Building $59,140	$226,590 (+35.5%) Land $49,170 Building $177,420
2024	$4,002.00
2022	Additional exemption filed	$55,740 Land $15,140 Building $40,600	$167,220 Land $45,420 Building $121,800

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
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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