OFF MARKET

Last listed at $250,000, CLOSED ON Aug 2025

$289,219

Est. refi paymentEst. refi $1,820/mo

•

2,108

sq ft

320 N Library St, Waterloo, IL 62298

About this home

Welcome to this spacious 1.5-story home in the heart of Waterloo, sitting on a corner lot just a short distance from all that downtown has to offer! With an oversized detached 2-car garage and three finished levels of living space, this home checks all the boxes. Step inside to find two comfortable bedrooms and a full bath on the main level, with an inviting layout that includes a generous living room, dining room, and kitchen. Upstairs, you’ll find two more bedrooms with brand new carpet and a convenient half bath. The finished walk-out lower level adds incredible flexibility, featuring a large recreation room, full bathroom, laundry area, and plenty of storage space. Recent updates include a new hot water heater (2025) and roof (2021), giving you peace of mind. With space, updates, and a location near local shops, dining, and events, this home is ready to welcome its next owners!

Single-familyProperty Type

1943Year Built

6,534 sq ftLot Size

$137Est. Price/Sq.Ft.

2 car garageParking

Listed by Monica Schmidt • eXp Realty

Bought with Naureen Frierdich • eXp Realty

Redfin checked: 2 minutes ago

•Source:MARIS as Distributed by MLS Grid #25043753

Redfin Estimate

$289,219

$39K over list price of $250K

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 24.7% higher than the average sale price ($232K) of 6 comparable homes.

SOLD AUG 3, 2026
$239,900
A
3 beds3 baths1,311 sq ft
206 Magnolia Ave, Waterloo, IL 62298
SOLD JUL 9, 2026
$235,500
B
4 beds2 baths2,268 sq ft
314 N Church St, Waterloo, IL 62298
SOLD JUN 1, 2026
$249,900
C
3 beds2.5 baths2,090 sq ft
308 Walnut St, Waterloo, IL 62298
SOLD JUL 27, 2026
$179,900
D
3 beds2 baths1,596 sq ft
108 Rau Street St, Waterloo, IL 62298
SOLD AUG 17, 2026
$236,000
E
3 beds2 baths1,600 sq ft
608 S Church St, Waterloo, IL 62298
SOLD APR 29, 2026
$249,900
F
4 beds2 baths1,254 sq ft
412 Park St, Waterloo, IL 62298

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Earn from this home

Sell

$270,533

Est. take-home

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Refinance

Est. cash available

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Rent

$1,424/mo

Redfin rental estimate

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Market trends in 62298, IL

Last updated July 2026

Buyer's Market

Seller's Market

Seller's market

Sale-to-List Price

97.5%

2.0% MoM

Median sale price

$311K

$19K MoM

Avg. days on market

47d

2 days MoM

Recently sold homes

10 MoM

New listings for sale

FOR SALE BY OWNER
$499,900
3 beds3 baths1,932 sq ft
207 Vancouver Dr, Waterloo, IL 62298
$485,000
3 beds3 baths2,534 sq ft
6730 Cardinal Dr, Waterloo, IL 62298
$898,000
4 beds3.5 baths4,100 sq ft
600 Covington Dr, Waterloo, IL 62298
$111,000
1 bed1 bath777 sq ft
319 S Main St, Waterloo, IL 62298
$225,000
3 beds2.5 baths1,852 sq ft
610 Laurel Dr, Waterloo, IL 62298
See all

Provided by Redfin

Sale history for 320 N Library St

Year

Property tax

Land + Additions

Assessment*

2025

$4,454 (+2.5%)

$15,900 + $62,840

$78,740

2024

$4,345 (+17.4%)

$15,900 + $62,840

$78,740

2023

$3,700 (−1.0%)

$15,673 + $63,725

$79,398

2022

$3,738 (+12.7%)

$14,600 + $50,250

$64,850

2021

$3,316 (+0.3%)

$14,860 + $49,790

$64,650

2020

$3,308 (−4.6%)

$9,120 + $47,800

$56,920

2018

$3,467 (+3.0%)

$9,120 + $48,400

$57,520

2017

$3,365 (+4.2%)

$7,220 + $48,450

$55,670

2016

$3,229 (+1.4%)

$5,760 + $48,540

$54,300

2015

$3,184 (+8.2%)

$5,760 + $48,540

$54,300

2014

$2,944 (+2.1%)

$6,670 + $47,320

$53,990

2013

$2,884

$6,670 + $44,490

$51,160

Tax history for 320 N Library St

Year

Property tax

Land + Additions

Assessment*

2025

$4,454 (+2.5%)

$15,900 + $62,840

$78,740

2024

$4,345 (+17.4%)

$15,900 + $62,840

$78,740

2023

$3,700 (−1.0%)

$15,673 + $63,725

$79,398

2022

$3,738 (+12.7%)

$14,600 + $50,250

$64,850

2021

$3,316 (+0.3%)

$14,860 + $49,790

$64,650

2020

$3,308 (−4.6%)

$9,120 + $47,800

$56,920

2018

$3,467 (+3.0%)

$9,120 + $48,400

$57,520

2017

$3,365 (+4.2%)

$7,220 + $48,450

$55,670

2016

$3,229 (+1.4%)

$5,760 + $48,540

$54,300

2015

$3,184 (+8.2%)

$5,760 + $48,540

$54,300

2014

$2,944 (+2.1%)

$6,670 + $47,320

$53,990

2013

$2,884

$6,670 + $44,490

$51,160

*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.

Public record

Public record
Zoning

Beds

Baths

Stories

1.5

Lot width

—

Lot depth

—

Lot size

6,413 Sq. Ft.

Year renovated

1943

Sq. Ft.

1,160

Year built

1943

Style

Single Family Residential

County

Monroe County

APN

07-25-202-010-000

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Aug 26, 2026.

Single-Family Residence Districts

The Single-Family Residence Districts, as differentiated herein, and the district locations as depicted on the Zone District Map, reflect the wide variety of physical and social characteristics found in Waterloo, to the extent that the range of such conditions and characteristics can be divided into meaningful categories. It is the purpose of these regulations to encourage the creation and maintenance of stable and enduring residential areas by establishing limitations on the use and character of development so as to take advantage of, or to avoid conflict with, natural topography, existing development, arrangements and locations of existing or planned community facilities and social needs of the city.

Permitted uses

Include but are not limited to:

Housing-Single unit

Property details

Parking

Parking Information
Parking Features: Detached, Garage, Off Street, Oversized
Garage Spaces: 2
Has Garage

Interior

Bedroom Information
# of Bedrooms: 4
# of Bedrooms Main: 2
Main And Upper Level Bedrooms: 4
Upper Level Bedrooms: 2
Lower Level Bedrooms: 0

Bathroom Information
# of Full Baths (Total): 2
# of Half Baths (Total): 1
Main Level Bathrooms Half: 1
Main Level Bathrooms Full: 1
Main And Upper Level Bathrooms: 2
Upper Level Bathrooms Half: 0
Upper Level Bathrooms Full: 0
Lower Level Bathrooms Half: 0
Lower Level Bathrooms Full: 1

Room 1 Information
Room Type: Living Room
Room Dimensions: 19x12
Room Length: 19
Room Width: 12
Room Level: Main

Room 2 Information
Room Type: Kitchen
Room Dimensions: 11x13
Room Length: 11
Room Width: 13
Room Level: Main

Room 3 Information
Room Type: Dining Room
Room Dimensions: 13x13
Room Length: 13
Room Width: 13
Room Level: Main

Room 4 Information
Room Dimensions: 11x12
Room Length: 11
Room Width: 12
Room Level: Main

Room 5 Information
Room Type: Bedroom
Room Dimensions: 9x11
Room Length: 9
Room Width: 11
Room Level: Main

Room 6 Information
Room Type: Bathroom
Room Dimensions: 5x10
Room Length: 5
Room Width: 10
Room Level: Main

Room 7 Information
Room Type: Bedroom
Room Dimensions: 13x13
Room Length: 13
Room Width: 13
Room Level: Upper

Room 8 Information
Room Type: Bathroom
Room Dimensions: 5x4
Room Length: 5
Room Width: 4
Room Level: Upper

Room 9 Information
Room Type: Bedroom
Room Dimensions: 11x14
Room Length: 11
Room Width: 14
Room Level: Upper

Room 10 Information
Room Type: Family Room
Room Dimensions: 23x26
Room Length: 23
Room Width: 26
Room Level: Lower

Room 11 Information
Room Type: Bathroom
Room Dimensions: 9x8
Room Length: 9
Room Width: 8
Room Level: Lower

Room 12 Information
Room Type: Laundry
Room Dimensions: 10x8
Room Length: 10
Room Width: 8
Room Level: Lower

Laundry Room Information
Laundry Features: In Basement

Basement Information
Has Basement
Basement Features: Bathroom, Partially Finished, Storage Space, Walk-Out Access

Other Rooms Information
Room Count: 12
# of Rooms: 12

Heating & Cooling
Heating Information: Forced Air
Cooling Information: Central Air

Interior Features
Interior Features: Storage
Appliances: Dishwasher, Microwave, Gas Oven, Refrigerator
Flooring: Carpet

Exterior

Building Information
Construction Materials: Vinyl Siding

Exterior Features
Patio And Porch Features: Covered, Patio
Exterior Features: Entry Steps/Stairs

Property Information
Property Type: Residential
Property Sub Type: Single Family Residence
Above Grade Finished Area: 1,411
Above Grade Finished Area Source: Other
Below Grade Finished Area: 697
Below Grade Finished Area Source: Other

Lot Information
Lot Features: Corner Lot
Lot Size Acres: 0.15
Lot Size Dimensions: .15
Lot Size Source: Public Records

Financial

Tax Information
Tax Annual Amount: $3,700
Tax Annual Amount Description: Owner Occupied
Tax Year: 2023
Property Assessment City Tax YN: 1

Utilities

Utility Information
Water Source: Public
Sewer: Public Sewer

Location

School Information
Elementary School: WATERLOO DIST 5
Middle Or Junior High School: WATERLOO DIST 5
High School: Waterloo
High School District: Waterloo DIST 5

Location Information
Address Line: 320 N Library ST, WTRL IL 62298

Community Information
Community Features: Street Lights

Public facts

Beds: 4
Baths: 4.0
Sq. Ft.: 1,160
Stories: 1.5
Lot Size: 6,413 square feet
Style: Single Family Residential
Year Built: 1943
Year Renovated: 1943
County: Monroe County
APN: 07-25-202-010-000

Home facts updated by county records on Aug 26, 2026

Other

Listing Information
Home Warranty YN: No

Home Information
Living Area: 2108
Living Area Source: Other
Living Area Srch Sq Ft: 2108.00
Above Grade Finished Area Srch Sq Ft: 1411.00
Below Grade Finished Area Srch Sq Ft: 697.00
Building Features: Basement
Public Records
Structure Type: House
Levels: One and One Half

Around this home

Schools

W J Zahnow Elementary School

Public PreK-1 • Assigned • 0.4mi

Waterloo Junior High School

Public 6-8 • Assigned • 0.4mi

7/10

Waterloo High School

Public 9-12 • Assigned • 1.6mi

6/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Climate risks

1/10 Flood Factor

Minimal risk of a flood reaching the building in the next 30 years

1/10 Fire Factor

Unlikely to be in a wildfire in next 30 years

5/10 Heat Factor

7 days above 106° expected this year, 20 days in 30 years

2/10 Wind Factor

1% chance of strong winds in next 30 years

1/10 Air Factor

0 unhealthy days expected this year, 0 days in 30 years

Provided by First Street

Historical weather

Waterloo, IL • 62298

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

In this area, properties receive around 9.9 hours in June and 4.1 hours in December, which is comparable to the U.S. average for solar exposure.

9.9 hrs

4.1 hrs

JuneDecember

Provided by Shadowmap

Estimated sale price

$275,000 – $333,000

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Home values near 320 N Library St

Data from public records.

Address	Redfin Estimate
404 North Library St, Waterloo, IL 3 Beds \| 1.5 Baths \| 1671 Sq. Ft.	$290,747
329 North Library St, Waterloo, IL 3 Beds \| 3 Baths \| 1078 Sq. Ft.	$268,939

Address	Redfin Estimate
321 North Library St, Waterloo, IL 2 Beds \| 1 Baths \| 870 Sq. Ft.	$209,106
323 North Library St, Waterloo, IL 2 Beds \| 2 Baths \| 1323 Sq. Ft.	$241,840

Address	Redfin Estimate
405 North Library St, Waterloo, IL 3 Beds \| 2 Baths \| 1641 Sq. Ft.	$256,973
327 North Library St, Waterloo, IL 4 Beds \| 3 Baths \| 1480 Sq. Ft.	$297,905

Property information provided by MARIS as Distributed by MLS Grid when last listed in 2025. This data may not match . Learn more.

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GreatSchools Ratings provided by GreatSchools.org.

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About this home

Redfin Estimate

Earn from this home

Market trends in 62298, IL

Sale history for 320 N Library St

Tax history for 320 N Library St

Public record

Property details

Around this home

Schools

Lifestyle

Climate risks

Historical weather

Sun exposure

Nearby similar homes

New listings for sale in 62298

Home values near 320 N Library St

More real estate resources