114 W Mill St, Waterloo, IL 62298 Property Records

Monroe County property record for 114 W Mill St, Waterloo, IL 62298

Property Summary

Property Type	Commercial
Lot Size	0.07 acres (3,144 sqft)
Owner	Company Name on File
Tax Bill	$10,353 (2024)
Deeds & Mortgages	Dec 2022 Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-250-011-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-250-011-000`
Alternative APN	`07251120301600 00`

Exterior

Lot Area	3,144 sqft (0.07 acres)
Lot Dimensions	77 ft deep x 40 ft wide

Location & Zoning

Street Address	114 W MILL ST
City	WATERLOO
State	IL
Zip	62298-1205
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	WB3
Legal Description	LOT 14 MARTINS RESURVEY OF OLD TOWN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	MARTINS RESURVEY
Legal Lot Number	14
Jurisdiction	MONROE IL
Township / Civil Division	32
Census Block Group	3
Census Block	3053
Census Tract	600401

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Waterloo Historic District listed 1978 · 236 contributing resources · NRIS 78001177

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Monroe County assessment roll, as of August 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	114 W MILL ST, WATERLOO, IL 62298-1205
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK
Jul 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK
Sep 18, 2017	Deed of Trust, Mortgage · Line of Credit DIETERICH BK NA
Mar 21, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	114 W MILL ST, WATERLOO, IL 62298-1205
Transaction Type	Mortgage
Record Updated	Jan 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000427450
Date	Dec 29, 2022
Instrument	427450

Lender

Name	DIETERICH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	114 W MILL ST, WATERLOO, IL 62298-1205
Transaction Type	Mortgage
Record Updated	Aug 11, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000418736
Date	Jul 29, 2021
Instrument	418736

Lender

Name	DIETERICH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	114 W MILL ST, WATERLOO, IL 62298-1205
Document Number	0000392053
Instrument Date	Sep 18, 2017
Transaction Type	Mortgage
Record Updated	Oct 4, 2017
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 W 4TH ST WATERLOO IL 622981335, WATERLOO, IL 62298-1335

Mortgage

Document Number	0000392053
Date	Sep 21, 2017
Instrument	392053

Lender

Name	DIETERICH BK NA
Address	RED BUD, IL 62278

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Sep 20, 2022

Interest

Rate Type	Adjustable Rate
Rate	4.5%

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Mar 21, 2017
Property Address	114 W MILL ST, WATERLOO, IL 62298-1205
Document Number	0000388872
Instrument Date	Mar 21, 2017
Instrument	388872
Transaction Type	Transfer
Record Updated	Mar 28, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	114 W MILL ST WATERLOO IL 622981205, WATERLOO, IL 62298-1205

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

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		$165,620 (+124.63%) Land $6,050 Building $159,570	$496,860 (+124.63%) Land $18,150 Building $478,710
2024	$10,353.00 (+118.69%)
2022	$4,734.00	$73,730 Land $6,050 Building $67,680	$221,190 Land $18,150 Building $203,040

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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

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 458 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
HTC Holding DSL · Fiber in parts of the area	100 / 20

May also be available: Delta Communications, Wisper ISP.

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