OFF MARKET

Last listed at $149,900, CLOSED ON Mar 2020

$221,502

Est. refi paymentEst. refi $1,072/mo

•

1,280

sq ft

432 N Library St, Waterloo, IL 62298

About this home

Gorgeous 3 bedroom Waterloo home nestled on a sprawling half acre lot in the heart of town! As you approach this great home note the curb appeal offered by the mature shade trees, charming covered porch, and tidy landscaping. Step inside to find the spacious family room featuring lovely hardwood floors and great natural light pouring through the ample windows. Step through the generously sized formal dining room to find the well appointed kitchen boasting ample cabinet/counter space, ceramic tile floor, dishwasher, and gas range/oven. Also on the main level find the full hall bathroom (remodeled 2 years ago) & 3 nicely sized bedrooms, each w/ a roomy closet. Other items of note include the lovely park behind the home, detached 1 car garage, and large yard w/ pond and privacy fence. Seller will remove the pond if buyer would prefer.

Single-familyProperty Type

1948Year Built

0.51 acresLot Size

$173Est. Price/Sq.Ft.

1 car garageParking

Listed by Linda Frierdich • Century 21 Advantage

Bought with Linda Frierdich • Century 21 Advantage

Redfin checked: 2 minutes ago

•Source:MARIS as Distributed by MLS Grid #19077101

Redfin Estimate

$221,502

$72K over list price of $150K

Recently sold homes
Estimate history
Homes for sale

This home's estimate is 1.7% higher than the average sale price ($218K) of 5 comparable homes.

SOLD JUL 10, 2026
$259,000
A
3 beds1 bath1,690 sq ft
700 Waterloo Dr, Waterloo, IL 62298
SOLD AUG 26, 2026
$215,000
B
2 beds1 bath1,304 sq ft
405 Veterans Dr, Waterloo, IL 62298
SOLD NOV 10, 2025
$169,900
C
3 beds1 bath1,098 sq ft
500 Columbia Ave, Waterloo, IL 62298
SOLD NOV 18, 2025
$254,900
D
3 beds1.5 baths1,671 sq ft
404 N Library St, Waterloo, IL 62298
SOLD JUL 31, 2026
$189,900
E
3 beds2 baths1,470 sq ft
203 E Mill St, Waterloo, IL 62298

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Earn from this home

Sell

$206,633

Est. take-home

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Refinance

Est. cash available

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Rent

$1,425/mo

Redfin rental estimate

List your home for rent

Market trends in 62298, IL

Last updated August 2026

Buyer's Market

Seller's Market

Seller's market

Sale-to-List Price

97.7%

+0.4% MoM

Median sale price

$335K

$28K MoM

Avg. days on market

47d

0 days MoM

Recently sold homes

16 MoM

New listings for sale

FOR SALE BY OWNER
$795,000
5 beds5 baths1,895 sq ft
207 Links Ln, Waterloo, IL 62298
FOR SALE BY OWNER
$46,900
Studio— baths— sq ft
124 Kurken Dr, Waterloo, IL 62298
$29,000
2 beds1 bath672 sq ft
4814 Timber Lake Ct, Waterloo, IL 62298
$275,000
3 beds2 baths2,076 sq ft
708 S Library St, Waterloo, IL 62298
$525,000
3 beds2 baths1,760 sq ft
4375 Jj Rd, Waterloo, IL 62298
$360,000
3 beds2 baths2,134 sq ft
4609 Fountain Brook Dr, Waterloo, IL 62298
FOR SALE BY OWNER
$499,900
3 beds3 baths1,932 sq ft
207 Vancouver 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
See all

Provided by Redfin

Sale history for 432 N Library St

Date

Event

Price

Public Records

Mar 6, 2020

Sold

$147,000

$115/sq ft

MARIS as Distributed by MLS Grid #19077101

Mar 5, 2020

Sold

Jan 24, 2020

Contingent

—

Nov 8, 2019

Price Changed

$149,900

$117/sq ft

Oct 16, 2019

Listed

$155,000

$121/sq ft

Public Records

Oct 28, 2013

Sold

$128,000

$100/sq ft

MARIS as Distributed by MLS Grid #4212532

Oct 26, 2013

Sold

Aug 23, 2013

Listed

$129,900

$101/sq ft

You won't want to miss out on this beautiful home! Located in the heart of Waterloo, this 3 bedroom, 2 bath home is located on a 1/2 acre lot backing to a park. Walking through the front door you will find a large living room & dining area. The kitchen features refinished cabinets and plenty of space for a breakfast table. All three bedrooms feature surprisingly spacious closets. Main level bathroom has been recently remodeled. Basement is unfinished, but features painted ceilings, walls, and a retro wet bar area. Great for a poker game and extra space for entertaining. 1 car detached garage and the park-like setting really make this the perfect home. Roof and windows have all been replaced within the past 8 years. Seller is motivated and says bring me an offer!

Public Records

Feb 1, 2012

Sold

$105,000

$82/sq ft

Public Records

Nov 25, 2003

Sold

$97,500

$76/sq ft

Year

Property tax

Land + Additions

Assessment*

2025

$3,075 (+10.7%)

$18,340 + $37,810

$56,150

2024

$2,777 (+1.3%)

$18,340 + $37,810

$56,150

2023

$2,742 (−0.4%)

$17,658 + $35,253

$52,911

2022

$2,753 (+1.1%)

$16,200 + $33,380

$49,580

2021

$2,724 (+2.5%)

$16,350 + $32,850

$49,200

2020

$2,657 (+5.3%)

$13,910 + $33,910

$47,820

2019

$2,523 (+1.2%)

$13,910 + $31,790

$45,700

2018

$2,494 (+3.3%)

$13,910 + $29,300

$43,210

2017

$2,415 (−1.3%)

$12,350 + $29,300

$41,650

2016

$2,447 (−0.4%)

$12,060 + $30,540

$42,600

2015

$2,456 (−4.6%)

$12,060 + $30,540

$42,600

2014

$2,575 (+0.4%)

$13,540 + $29,490

$43,030

2013

$2,565

$13,540 + $32,620

$46,160

Tax history for 432 N Library St

Year

Property tax

Land + Additions

Assessment*

2025

$3,075 (+10.7%)

$18,340 + $37,810

$56,150

2024

$2,777 (+1.3%)

$18,340 + $37,810

$56,150

2023

$2,742 (−0.4%)

$17,658 + $35,253

$52,911

2022

$2,753 (+1.1%)

$16,200 + $33,380

$49,580

2021

$2,724 (+2.5%)

$16,350 + $32,850

$49,200

2020

$2,657 (+5.3%)

$13,910 + $33,910

$47,820

2019

$2,523 (+1.2%)

$13,910 + $31,790

$45,700

2018

$2,494 (+3.3%)

$13,910 + $29,300

$43,210

2017

$2,415 (−1.3%)

$12,350 + $29,300

$41,650

2016

$2,447 (−0.4%)

$12,060 + $30,540

$42,600

2015

$2,456 (−4.6%)

$12,060 + $30,540

$42,600

2014

$2,575 (+0.4%)

$13,540 + $29,490

$43,030

2013

$2,565

$13,540 + $32,620

$46,160

*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

Lot width

—

Lot depth

—

Lot size

0.51 Acres

Year renovated

1948

Sq. Ft.

1,280

Year built

1948

Style

Single Family Residential

County

Monroe County

APN

07-24-449-009-000

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 Total: 1
Parking Features: Detached
Garage Spaces: 1
Carport Spaces: 0
Has Garage

Interior

Virtual Tour

Bedroom Information
# of Bedrooms: 3
# of Bedrooms Main: 3

Bathroom Information
# of Full Baths (Total): 1
# of Main Level Bathrooms (Total): 1
# of Main and Upper Bathrooms: 1
Main Level # of Full Bathrooms: 1

Room 1 Information
Room Type: Family Room
Room Dimensions: 14x13
Room Length: 14
Room Width: 13
Room Level: Second or Main

Room 2 Information
Room Type: Dining Room
Room Dimensions: 13x13
Room Length: 13
Room Width: 13
Room Level: Second or Main

Room 3 Information
Room Type: Kitchen
Room Dimensions: 12x13
Room Length: 12
Room Width: 13
Room Level: Second or Main

Room 4 Information
Room Type: Master Bedroom
Room Dimensions: 13x12
Room Length: 13
Room Width: 12
Room Level: Second or Main

Room 5 Information
Room Type: Bedroom
Room Dimensions: 12x11
Room Length: 12
Room Width: 11
Room Level: Second or Main

Room 6 Information
Room Type: Bedroom
Room Dimensions: 12x10
Room Length: 12
Room Width: 10
Room Level: Second or Main

Room 7 Information
Room Type: Bathroom
Room Dimensions: 6x8
Room Length: 6
Room Width: 8
Room Level: Second or Main

Basement Information
Has Basement
Basement Features: Full, Unfinished

Other Rooms Information
# of Rooms: 6

Fireplace Information
Fireplace Features: None

Heating & Cooling
Has Heating
Heating Information: Forced Air
Cooling Information: Electric

Interior Features
Interior Features: Carpets, Some Wood Floors
Appliances: Dishwasher, Gas Oven, Refrigerator

Exterior

Building Information
Construction Materials: Vinyl Siding

Property Information
Ownership Type: Private
Property Type: Residential
Property Sub Type: Residential
Above Grade Finished Area: 1,280
Above Grade Finished Area Source: Public Records
Below Grade Finished Area Source: Other

Lot Information
Lot Features: Streetlights
Lot Size Acres: 0.51
Lot Size Dimensions: 70 X 310
Lot Size Source: County Records

Financial

Tax Information
Tax Annual Amount: $2,494
Tax Year: 2018

Utilities

Utility Information
Water Source: Public
Sewer: Public Sewer

Location

HOA Information
Association Fee Frequency: None

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
Directions: IL Rt 3 to Columbia Ave to N Library St

Public facts

Beds: 3
Baths: 2.0
Sq. Ft.: 1,280
Stories: 1.0
Lot Size: 0.51 acres
Style: Single Family Residential
Year Built: 1948
Year Renovated: 1948
County: Monroe County
APN: 07-24-449-009-000

Home facts updated by county records on Aug 26, 2026

Other

Home Information
Living Area: 1280
Levels: One

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 • 1.8mi

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

$211,000 – $255,000

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New listings for sale in 62298

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FOR SALE BY OWNER

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Home values near 432 N Library St

Data from public records.

Address	Redfin Estimate
440 N Library Street, Waterloo, IL 2 Beds \| 2 Baths \| 955 Sq. Ft.	$200,477
424 N Library Street, Waterloo, IL 4 Beds \| 2.5 Baths \| 1656 Sq. Ft.	$282,957

Address	Redfin Estimate
425 N Library Street, Waterloo, IL 3 Beds \| 2 Baths \| 1425 Sq. Ft.	$249,149
454 N Library Street, Waterloo, IL 3 Beds \| 1 Baths \| 975 Sq. Ft.	$221,992

Address	Redfin Estimate
420 N Library Street, Waterloo, IL 2 Beds \| 1 Baths \| 1251 Sq. Ft.	$222,632
428 N Library Street, Waterloo, IL 4 Beds \| 3 Baths \| 2171 Sq. Ft.	$230,970

Property information provided by MARIS as Distributed by MLS Grid when last listed in 2019. 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 432 N Library St

Tax history for 432 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 432 N Library St

More real estate resources