320 N Library St, Waterloo, IL 62298
Property image
Property image
OFF MARKET
Listed by Monica Schmidt, eXp Realty, (618) 567-9203 . Bought with eXp Realty

320 N Library St
Waterloo, IL 62298

  • 4 Beds
  • 2.5 Baths
  • 2,108 sqft

$254,200

Trulia Estimate
as of Aug 8, 2026
Est. Refi. Payment $1,736/mo*
Refinance Your Home

$254,200

Trulia Estimate
as of Aug 8, 2026
Est. Refi. Payment $1,736/mo*
Refinance Your Home
4 Beds
2.5 Baths
2,108 sqft

Local Information

  • Map ViewExplore the area around 320 N Library St.
  • Schools1 Preschool School3 Elementary Schools1 Middle School1 High School
  • Shop & Eat
-- mins to
Commute Destination

Home Highlights

Property Type
Single-Family Home
Year Built
1943
Living Area
2,108 sqft
Price/Sqft
$121
Parking
Garage

About this House

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!
320 N Library St, Waterloo, IL 62298 is a 4 bedroom, 3 bathroom, 2,108 sqft single-family home built in 1943. It last sold for the $250,000 asking price on Aug 22, 2025. It is currently off market. The Trulia Estimate is $254,200, with a rent estimate of $2,252/month.

Home Details for 320 N Library St

Active Status

MLS Status: Closed

Interior Features

Interior Details
Basement: Partially Finished,Storage Space,Walk-Out AccessNumber of Rooms: 12Types of Rooms: Primary Bedroom, Bedroom, Bathroom, Dining Room, Family Room, Kitchen, Laundry, Living Room
Beds & Baths
Number of Bedrooms: 4Main Level Bedrooms: 2Number of Bathrooms: 3Number of Bathrooms (full): 2Number of Bathrooms (half): 1Number of Bathrooms (main level): 2
Dimensions and Layout
Living Area: 2108 Square Feet
Appliances & Utilities
Appliances: Dishwasher, Microwave, Gas Oven, RefrigeratorDishwasherLaundry: In BasementMicrowaveRefrigerator
Heating & Cooling
Heating: Forced AirHas CoolingAir Conditioning: Central AirHas HeatingHeating Fuel: Forced Air
Fireplace & Spa
No Fireplace
Windows, Doors, Floors & Walls
Flooring: Carpet
Levels, Entrance, & Accessibility
Levels: One and One HalfFloors: Carpet

Exterior Features

Exterior Home Features
Patio / Porch: Covered, PatioExterior: Entry Steps/Stairs
Parking & Garage
Number of Garage Spaces: 2Number of Covered Spaces: 2No CarportHas a GarageNo Attached GarageParking Spaces: 2Parking: Detached,Garage,Off Street,Oversized
Water & Sewer
Sewer: Public Sewer
Finished Area
Finished Area (above surface): 1411 Square FeetFinished Area (below surface): 697

Days on Market

Cumulative Days on Market: 45

Property Information

Year Built
Year Built: 1943
Property Type / Style
Property Type: ResidentialProperty Subtype: Single Family ResidenceStructure Type: HouseArchitecture: Other
Building
Building: BasementConstruction Materials: Vinyl SidingDoes Not Include Home Warranty
Property Information
Parcel Number: 0725202010000

Price & Status

Price
List Price: $250,000
Status Change & Dates
Off Market Date: Fri Aug 22 2025

Location

Direction & Address
City: WaterlooCommunity: Not In A Subdivision
School Information
Elementary School: Waterloo Dist 5Jr High / Middle School: Waterloo Dist 5High School: WaterlooHigh School District: Waterloo DIST 5

Building

Building Area
Building Area: 2108 Square Feet

Community

Community Features: Street Lights

HOA

Association for this Listing: Southwestern Illinois Board of REALTORSNo HOA

Lot Information

Lot Area: 6534 sqft

Listing Info

Special Conditions: Standard

Offer

Listing Terms: Cash, Conventional, FHA, USDA Loan, VA Loan

Miscellaneous

BasementMls Number: 25043753Above Grade Unfinished Area: 1411Showing Requirements: Appointment Only

Additional Information

Street Lights
Last check for updates: about 11 hours ago
Listed by Monica Schmidt, (618) 567-9203
eXp Realty
Bought with: Naureen Frierdich, (618) 972-5928, eXp Realty
Originating MLS: Southwestern Illinois Board of REALTORS
Source: MARIS, MLS#25043753

Price History for 320 N Library St

DatePriceEventSource
08/22/2025$250,000Sold
MARIS #25043753
07/13/2025$250,000ContingentMARIS #25043753
07/08/2025$250,000Listed For SaleMARIS #25043753
11/30/2005$150,000Sold
N/A

Market trends in Waterloo

Last updated June 2026
Buyer'sMarketSeller'sMarket
Avg. sale price
$301K
$30KMoM
Sale-to-List Price
—
Price per sq ft
$167
$11MoM
Available listings
59
10MoM
Skip to last item
  • Results are loading
Skip to first item

Property Tax and Assessment

Year2024
Tax$4,345
Assessment$225,540
Home facts updated by county records

Comparable Sales for 320 N Library St

Address
Distance
Property Type
Sold Price
Sold Date
Bed
Bath
Sqft
314 N Church St, Waterloo, IL
0.10
Single-Family Home
$226,100
07/09/26
4
2
2,268
240 N Main St, Waterloo, IL
0.20
Single-Family Home
$254,000
05/15/26
2
2
2,088
206 Magnolia Ave, Waterloo, IL
0.14
Single-Family Home
$239,900
08/03/26
3
3
1,311
239 N Main St, Waterloo, IL
0.16
Single-Family Home
$232,000
03/13/26
3
2
1,517
404 N Library St, Waterloo, IL
0.07
Single-Family Home
$254,900
11/18/25
3
1.5
1,671
108 Rau St, Waterloo, IL
0.30
Single-Family Home
$170,000
07/27/26
3
2
1,596
237 N Moore St, Waterloo, IL
0.21
Single-Family Home
$194,400
06/12/26
3
2.5
1,204
207 N Main St, Waterloo, IL
0.19
Single-Family Home
$230,000
04/29/26
3
2
1,356
207 Flower St, Waterloo, IL
0.18
Single-Family Home
$155,000
09/16/25
3
2
1,114

Nearby homes

Get a sense of prices in the area by checking nearby homes.
Skip to last item
Skip to first item

Assigned Schools

These are the assigned schools for 320 N Library St.
View nearby schools on GreatSchools
The GreatSchools Rating compares schools on a variety of school quality indicators including test scores, college readiness, equity and more. Learn more.

What Locals Say about Waterloo

At least 62 Trulia users voted on each feature.

  • 94 % Say it's dog friendly

  • 92 % Say parking is easy

  • 92 % Say yards are well-kept

  • 90 % Say people would walk alone at night

  • 85 % Say there's holiday spirit

  • 82 % Say car is needed

  • 82 % Say kids play outside

  • 79 % Say streets are well-lit

  • 77 % Say it's quiet

  • 63 % Say neighbors are friendly

  • 62 % Say there are sidewalks

  • 59 % Say they plan to stay for at least 5 years

  • 49 % Say it's walkable to restaurants

  • 45 % Say there's wildlife

  • 42 % Say there are community events

  • 36 % Say it's walkable to grocery stores

Sourced by Trulia users. Learn more about our methodology.
  • Juanita T.
    "It is a nice quiet neighborhood. People like to take walks and go to the parks and lakes. The dog parks are awesome for our four-legged friends."
    3
    Flag
  • Samantha L. .
    "Long but definitely better then the city traffic. I would always prefer the commute any day except during the winter "
    1
    Flag
  • Shelly_graves
    "Plenty of space in homes and yards, and a great place to walk. Parks nearby. Open fields. Quiet. Low traffic. "
    1
    Flag
  • Stacy S.
    "Safe for children great schools but limited after school activities unless you do Sports. Community school very big in agriculture education "
    0
    Flag
  • Claytonbour
    "Top quality schools, super low crime rate. Great area to raise a family. Can’t ask for a better place in Illinois or STL metropolitan area. "
    0
    Flag
  • Jennifer C. G.
    "We have parades and gatherings in the town square for holidays. The town lights up the street poles with Christmas Light Ornaments in December, it’s beautiful."
    0
    Flag
  • Jennifer C. G.
    "I have lived here for over 10 years the people are friendly, it has a wonderful sense of community and is a great place to bring up a family."
    0
    Flag
  • Suzanne S. R.
    "They would like that there are sidewalks all over the neighborhood . The streets are wide and people look out for each other "
    1
    Flag
  • Suzanne S. R.
    "There is true sense of community in Waterloo. Many people will come back here to raise their families. Lots of parks and events for the whole family. The downtown area is revitalizing it’s self . So much to do . Great place to live "
    0
    Flag
  • Christina F
    "Plenty of space, dogs can poop anywhere and you don’t have to pick it up outside of city limits. Roads and sidewalks are well maintained there is a great dog park near town and lots of people enjoy the community events"
    0
    Flag
  • edkane6431
    "It is a very quite and private close to a lovey park with lakes."
    0
    Flag

LGBTQ Local Legal Protections

Apartments for Rent

Skip to last item
Skip to first item

Explore by feature - Air Conditioning

6 rentals with air conditioning in Waterloo, IL

Homes for sale near 320 N Library St

Skip to last item
Skip to first item

Off Market Homes Near 320 N Library St

Skip to last item
Skip to first item

Frequently asked questions about 320 N Library St

  • What is 320 N Library St estimated to be worth?
    Trulia's estimated value for 320 N Library St in Waterloo, IL is $254,200.
  • What is the price history for 320 N Library St?
    320 N Library St in Waterloo, IL last sold for $250,000 in August 2025.
  • Is Waterloo a buyer's or seller's market?
    Waterloo is currently a seller's market, based on recent for-sale activity.
  • What's the median sale price in Waterloo?
    The median sale price in Waterloo is $301K. That is down $30K from the prior month.
  • Does 320 N Library St have air conditioning?
    Yes, 320 N Library St in Waterloo, IL has air conditioning.
  • Does 320 N Library St have laundry facilities?
    Yes, 320 N Library St in Waterloo, IL has laundry facilities.
IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed. Some IDX listings have been excluded from this website. Click here for more information