213 W Mill St, Waterloo, IL 62298 Property Records

Monroe County property record for 213 W Mill St, Waterloo, IL 62298

Property Summary

Property Type	Commercial
Lot Size	0.15 acres (6,342 sqft)
Owner	Company Name on Record
Last Sale	$182,500 (Sep 2021)
Tax Bill	$535 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-203-029-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-203-029-000`
Alternative APN	`07250720401100 00`

Exterior

Lot Area	6,342 sqft (0.15 acres)
Lot Dimensions	155 ft deep x 40 ft wide

Location & Zoning

Street Address	213 W MILL ST
City	WATERLOO
State	IL
Zip	62298-1235
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	WB3
Legal Description	LOT 15 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	15
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 October 13, 2026

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

Owner of Record	Company Name on Record
Mailing Address	404 W 3RD ST, WATERLOO, IL 62298-1357
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK WATERLOO
Jan 20, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK WATERLOO
Sep 23, 2021	Warranty Deed, Transfer · Commercial Mortgage FIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2021 · Amount on Record
Deed Sale	Sep 23, 2021 · Amount on Record
Deed Document Number	2021419833
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	213 W MILL ST, WATERLOO, IL 62298-1235
Transaction Type	Mortgage
Record Updated	Jul 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000425156
Date	Jul 13, 2022
Instrument	425156

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	213 W MILL ST, WATERLOO, IL 62298-1235
Transaction Type	Mortgage
Record Updated	Feb 9, 2022
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000422218
Date	Jan 20, 2022
Instrument	422218

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Sep 23, 2021
Property Address	213 W MILL ST, WATERLOO, IL 62298-1235
Document Number	0000419833
Instrument Date	Sep 22, 2021
Instrument	419833
Transaction Type	Transfer
Record Updated	Oct 13, 2021
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$273.75
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 N MAIN ST, WATERLOO, IL 62298-1202

Mortgage

Document Number	0000419834
Date	Sep 23, 2021
Instrument	419834

Lender

Name	FIRST NATIONAL BANK

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

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	$535.00 (-2.37%)	$8,770 (-) Land $8,770	$26,310 (-) Land $26,310
2024	$548.00
2022		$8,770 Land $8,770	$26,310 Land $26,310

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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