Last Sold Price
4 beds2,108 sqft$119/sqft
320 N Library St, Waterloo, IL 62298

Description

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...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!
LISTING CLOSED: 08/22/2025 12:00 AM

  1. Listed by Monica Schmidt • eXp Realty
    P: (618) 567-9203 makemoveswithmonica@gmail.com

Property Details for 320 North Library Street

Status
MLS #
25043753
Days on Market
45
Taxes
$3,700 / year
HOA Fees
-
Condo/Co-op Fees
-
Property Type
MLS Type
Residential / Single Family Residence
Year Built
1943
Lot Size
-
Architectural Style
Other

Recent comparable sales

Median sold price

$280,000

Avg days on market

95

Sale-to-list ratio

98.1%

Waterloo, IL

9 comparable properties found

$302,000 | 615 Morrison Avenue, Waterloo, IL 62298
1/54
1

$302,000

Sold 08/22/25

4
Bedrooms
2,402
Square Feet
Unavailable
Acres
$226,100 | 314 North Church Street, Waterloo, IL 62298
1/29
2

$226,100

Sold 07/09/26

4
Bedrooms
2,268
Square Feet
0.39
Acres
$277,500 | 511 Mary Drive, Waterloo, IL 62298
1/26
3

$277,500

Sold 11/07/25

4
Bedrooms
1,832
Square Feet
0.22
Acres
$315,000 | 1041 West Fallen Lake Drive, Waterloo, IL 62298
1/46
4

$315,000

Sold 06/22/26

4
Bedrooms
2,148
Square Feet
0.28
Acres
$260,000 | 308 Walnut Street, Waterloo, IL 62298
1/41
5

$260,000

Sold 06/01/26

3
Bedrooms
2,090
Square Feet
0.18
Acres
$368,000 | 611 North Market Street, Waterloo, IL 62298
1/53
6

$368,000

Sold 02/10/26

4
Bedrooms
2,378
Square Feet
Unavailable
Acres
$260,000 | 100 Osterhage Drive, Unit A, Waterloo, IL 62298
1/4
7

$260,000

Sold 11/01/24

3
Bedrooms
2,161
Square Feet
0.21
Acres
$280,000 | 100 Osterhage Drive, Unit C, Waterloo, IL 62298
1/30
8

$280,000

Sold 01/17/25

3
Bedrooms
2,161
Square Feet
0.12
Acres
$289,000 | 310 Briarwood Drive, Waterloo, IL 62298
1/26
9

$289,000

Sold 12/01/25

3
Bedrooms
1,807
Square Feet
0.19
Acres

Location

Listing Courtesy of eXp Realty

Sold By eXp Realty

Add your commute

Building Information for 320 North Library Street

Stories-Year Built1943Building Size-Lot Size-

Payment Calculator

$1,579 per month

30 year fixed, 6.55% Interest

Principal and Interest

$1,271

Property Taxes

$308

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

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Property Information for 320 North Library Street

Summary
Location and General Information
  • City: Waterloo
  • County Or Parish: Monroe
  • Latitude: 38.339028
  • Longitude: -90.153995
  • Postal Code: 62298
  • State Or Province: IL
  • Sub division Name: Not in a subdivision
  • Postal Code Plus 4: 1123
Taxes and HOA Information
  • List AOR: Southwestern Illinois Board of REALTORS
  • Parcel Number: 07-25-202-010-000
  • Tax Annual Amount: $3,700.00
  • Tax Year: 2023
  • AssociationYN: No
Owner
  • Township: Waterloo
Parking
  • Attached Garage: No
  • Carport: No
  • Garage Spaces: 2.0
  • Garage: Yes
  • Parking Features: Detached, Garage, Off Street, Oversized
School Information
  • Elementary School: WATERLOO DIST 5
  • High School: Waterloo
  • High School District: Waterloo DIST 5
  • Middle Or Junior School: WATERLOO DIST 5
Property
Lot Information
  • Living Area: 2108.0
  • Lot Features: Corner Lot
  • Lot Size Acres: 0.15
  • Lot Size Dimensions: .15
  • Lot Size Source: Public Records
  • Property Sub Type: Single Family Residence
  • Property Type: Residential
Property and Assessments
  • Above Grade Finished Area: 1411.0
  • Above Grade Finished Area Source: Other
  • Below Grade Finished Area: 697.0
  • Below Grade Finished Area Source: Other
  • Documents Available: Lead Based Paint
  • Documents Count: 2
  • Photos Count: 27
  • Year Built: 1943
  • Disclosures: Seller Property Disclosure
  • Construction Materials: Vinyl Siding
  • NewConstructionYN: No
  • StructureType: House
  • BuyerFinancing: Conventional
  • CommunityFeatures: Street Lights
  • HomeWarrantyYN: No
Utilities
  • Sewer: Public Sewer
  • Water Source: Public
Interior and Exterior Features
Exterior Features
  • ExteriorFeatures: Entry Steps/Stairs
  • PatioAndPorchFeatures: Covered, Patio
Interior Features
  • Appliances: Dishwasher, Microwave, Gas Oven, Refrigerator
  • Basement: Bathroom, Partially Finished, Storage Space, Walk-Out Access
  • Basement YN: Yes
  • Levels: One and One Half
  • Main Level Bedrooms: 2.0
  • Bathrooms Full: 2
  • Bathrooms Half: 1
  • Bathrooms Total Integer: 3
  • Bedrooms Total: 4
  • Cooling: Central Air
  • Fireplace: No
  • Heating: Forced Air
  • Interior Features: Separate Dining, Storage
  • Laundry Features: In Basement
  • Rooms Total: 12
  • LivingAreaSource: Other
  • MIS_LowerLevelBathroomsFull: 1
  • MIS_LowerLevelBathroomsHalf: 0
  • MIS_LowerLevelBedrooms: 0
  • MIS_MainLevelBathroomsFull: 1
  • MIS_MainLevelBathroomsHalf: 1
  • MIS_MainAndUpperLevelBedrooms: 4
  • MIS_MainAndUpperLevelBathrooms: 2
  • MIS_UpperLevelBedrooms: 2
Room Information
Room 1
  • Room Dimensions: 19x12
  • Room Length: 19.0
  • Room Level: Main
  • Room Type: Living Room
  • Room Width: 12.0
Room 2
  • Room Dimensions: 11x13
  • Room Length: 11.0
  • Room Level: Main
  • Room Type: Kitchen
  • Room Width: 13.0
Room 3
  • Room Dimensions: 13x13
  • Room Length: 13.0
  • Room Level: Main
  • Room Type: Dining Room
  • Room Width: 13.0
Room 4
  • Room Dimensions: 11x12
  • Room Length: 11.0
  • Room Level: Main
  • Room Type: Primary Bedroom
  • Room Width: 12.0
Room 5
  • Room Dimensions: 9x11
  • Room Length: 9.0
  • Room Level: Main
  • Room Type: Bedroom
  • Room Width: 11.0
Room 6
  • Room Dimensions: 5x10
  • Room Length: 5.0
  • Room Level: Main
  • Room Type: Bathroom
  • Room Width: 10.0
Room 7
  • Room Dimensions: 13x13
  • Room Length: 13.0
  • Room Level: Upper
  • Room Type: Bedroom
  • Room Width: 13.0
Room 8
  • Room Dimensions: 5x4
  • Room Length: 5.0
  • Room Level: Upper
  • Room Type: Bathroom
  • Room Width: 4.0
Room 9
  • Room Dimensions: 11x14
  • Room Length: 11.0
  • Room Level: Upper
  • Room Type: Bedroom
  • Room Width: 14.0
Room 10
  • Room Dimensions: 23x26
  • Room Length: 23.0
  • Room Level: Lower
  • Room Type: Family Room
  • Room Width: 26.0
Room 11
  • Room Dimensions: 9x8
  • Room Length: 9.0
  • Room Level: Lower
  • Room Type: Bathroom
  • Room Width: 8.0
Room 12
  • Room Dimensions: 10x8
  • Room Length: 10.0
  • Room Level: Lower
  • Room Type: Laundry
  • Room Width: 8.0

Property History for 320 North Library Street

DateEvent & SourcePriceAppreciation
Aug 22, 2025

Closed (Public Record)

Public Record #1910540188

$250,000

+2.6% / yr

Aug 22, 2025

Closed

MARIS #25043753

$250,000
Jul 13, 2025

Active Under Contract

MARIS #25043753

DateEvent & SourcePrice
08/22/2025

Closed (Public Record)

Public Record #1910540188

$250,000

+2.6% / yr

08/22/2025

Closed

MARIS #25043753

$250,000
07/13/2025

Active Under Contract

MARIS #25043753

For completeness, we often displays two records for one sale: the MLS record and the public record.

Public Records for 320 North Library Street

Taxable ValueLand$15,900Additions$62,840Total$78,740
Tax Record2024$4,345 ($362 / month)
Home Facts
Beds4Baths4Total Finished SqFt1,160 SqFtAbove Grade Finished SqFt1,160 SqFtUnfinished Basement SqFt580 SqFtStories1Lot Size6,413 SqFtStyleSingle Family ResidenceYear Built1943Year Renovated1943ZoningWR3CountyMONROEAPN07-25-202-010-000

Schools near 320 North Library Street

This home is within Waterloo Community Unit School District 5.
Rating
School
Type
Grades
Distance
Public - PK to 1
Public - 2 to 3
Public - 4 to 5
Public - 6 to 8
Rating
School
Distance
W J Zahnow Elementary School
PublicPK to 1

Rogers Elementary School
Public2 to 3

Gardner Elementary School
Public4 to 5

Waterloo Junior High School
Public6 to 8

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of any information, descriptions or measurements (including square footage measurements and property condition), such should be independently verified through appropriate means, including, but not limited to, in person inspection and public records, and Compass International Holdings, its subsidiaries, affiliates and independently owned and operated franchisees, and their affiliated agents and associated third parties expressly disclaim any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the seller's discretion. No financial or legal advice provided. Equal Housing Opportunity.

Listing Courtesy of eXp Realty

Based on information submitted to the MLS GRID as of 08/25/2025 11:50 AM. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Properties displayed may be listed or sold by various participants in the MLS. IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. The data is deemed reliable but is not guaranteed by MLS GRID. Use of the MLS GRID data may be subject to an end user license agreement prescribed by the applicable MLS of the Member Participant, if any, and as amended from time to time.