219 W Mill St, Waterloo, IL 62298 Property Records

Monroe County property record for 219 W Mill St, Waterloo, IL 62298

Property Summary

Property Type	Commercial
Lot Size	0.14 acres (6,301 sqft)
Owner	Company Name on Record
Last Sale	$180,000 (Mar 2020)
Tax Bill	$2,827 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-25-203-027-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-203-027-000`
Alternative APN	`07250720400900 00`

Interior

Units	3 Units

Exterior

Lot Area	6,301 sqft (0.14 acres)
Lot Dimensions	155 ft deep x 38 ft wide

Location & Zoning

Street Address	219 W MILL ST
City	WATERLOO
State	IL
Zip	62298-1286
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	WB3
Legal Description	LOT 17 MARTINS ADDN S/2 BLK 16
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	MARTIN'S ADDITION
Legal Block	16
Legal Lot Number	17
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
Mar 9, 2020	Warranty Deed, Transfer · Commercial Mortgage FIRST NATIONAL BANK WATERLOO
May 31, 2017	Warranty Deed, Transfer · Conventional with PMI STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2020 · Amount on Record
Deed Sale	Mar 9, 2020 · Amount on Record
Prior Sale	May 31, 2017 · Amount on Record
Deed Document Number	2020406578
Record Updated	Oct 29, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Mar 9, 2020
Property Address	219 W MILL ST, WATERLOO, IL 62298-1286
Document Number	0000406578
Map Reference	MB45 PG 608
Instrument Date	Mar 6, 2020
Instrument	406578
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4803 RED OAK DR, 4803, WATERLOO, IL 62298-3067

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0000406579
Date	Mar 9, 2020
Instrument	406579

Lender

Name	FIRST NATIONAL BANK WATERLOO

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	May 31, 2017
Property Address	219 W MILL ST, WATERLOO, IL 62298-1286
Document Number	0000390099
Instrument Date	May 31, 2017
Instrument	390099
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	MERGE ESCROW LLC, ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4040 ROLLING HILLS ESTS FULTS IL 622441360, FULTS, IL 62244-1360

Mortgage

Document Number	390100
Date	May 31, 2017
Instrument	390100

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	60 Months
Due	May 30, 2022

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	$2,827.00 (-2.38%)	$46,340 (-) Land $8,470 Building $37,870	$139,020 (-) Land $25,410 Building $113,610
2024	$2,896.00
2022		$46,340 Land $8,470 Building $37,870	$139,020 Land $25,410 Building $113,610

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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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