203 W Mill St, Waterloo, IL 62298 Property Records

Monroe County property record for 203 W Mill St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Lot Size	0.217 acres (2,011 sqft)
Owner	2 Individual Names on Record
Last Sale	$84,000 (Jan 2022)
Tax Bill	$6,253 (2024)
Deeds & Mortgages	Feb 2023 Mortgage Jan 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-203-034-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-203-034-000`
Alternative APN	`07250720401305 00`

Exterior

Lot Area	2,011 sqft (0.217 acres)
Lot Dimensions	40 ft deep x 49 ft wide

Location & Zoning

Street Address	203 W MILL ST
City	WATERLOO
State	IL
Zip	62298-1235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WB3
Legal Description	PART LOT 13 MARTINS ADDN S/2 BLK 16
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	MARTINS ADD
Legal Block	16
Legal Lot Number	13
Jurisdiction	MONROE IL
Township / Civil Division	32
Census Block Group	3
Census Block	3038
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 records, as of July 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	4 COUNTRY LAKES LN, WATERLOO, IL 62298-2900
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2023	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK
Jan 18, 2022	Limited Warranty Deed, Transfer ACCENT TITLE
Jan 25, 2017	Warranty Deed, Transfer · Commercial Mortgage FIRST NATIONAL BANK WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2022 · Amount on Record
Deed Sale	Jan 18, 2022 · Amount on Record
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	203 W MILL ST, WATERLOO, IL 62298-1235
Transaction Type	Mortgage
Record Updated	Mar 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000428061
Date	Feb 28, 2023
Instrument	428061

Lender

Name	DIETERICH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

January 2022: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jan 18, 2022
Property Address	203 W MILL ST, WATERLOO, IL 62298-1235
Document Number	0000422147
Map Reference	MB 112 PG 479
Instrument Date	Jan 14, 2022
Instrument	422147
Transaction Type	Transfer
Record Updated	Feb 2, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Tax	$126.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	399 VETERANS PKWY, COLUMBIA, IL 62236-2507

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jan 25, 2017
Property Address	203 W MILL ST, WATERLOO, IL 62298-1235
Document Number	0000388014
Instrument Date	Jan 24, 2017
Instrument	388014
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	COLUMBIA TITLE

Transaction

Amount	Amount Recorded
Tax	$115.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 STATION W, WATERLOO, IL 62298-1827

Mortgage

Document Number	0000388015
Date	Jan 25, 2017
Instrument	388015

Lender

Name	FIRST NATIONAL BANK WATERLOO

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$100,030 (+1,513.39%) Land $4,650 Building $95,380	$300,090 (+1,513.39%) Land $13,950 Building $286,140
2024	$6,253.00
2022		$6,200 Land $4,650 Building $1,550	$18,600 Land $13,950 Building $4,650

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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
Harrisonville Telephone Company DSL · Fiber in parts of the area	100 / 20

May also be available: ClearWave, Wisper ISP.

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