300 W Mill St, Waterloo, IL 62298 Property Records

Monroe County property record for 300 W Mill St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 900 sqft · built 1880
Lot Size	0.07 acres (2,987 sqft)
Owner	2 Individual Names on Record
Last Sale	$59,000 (Jul 2022)
Tax Bill	$2,049 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jul 2022 Sale & Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-249-014-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-249-014-000`
Alternative APN	`07251120101900 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	900 sqft Living Area
1st Floor Area	900 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	2,987 sqft (0.07 acres)
Lot Dimensions	52 ft deep x 60 ft wide

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	131 sqft
Patio Area	131 sqft
Shed	1 Shed
Shed Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	300 W MILL ST
City	WATERLOO
State	IL
Zip	62298-1236
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WB3
Legal Description	LOT 14A KOHLER SUBD BLK 23 MARTINS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	KOHLER
Legal Block	23
Legal Lot Number	14A
Jurisdiction	MONROE IL
Township / Civil Division	32
Census Block Group	3
Census Block	3051
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	2 Individual Names on Record
Mailing Address	300 W MILL ST, WATERLOO, IL 62298-1236
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2025	Deed of Trust, Mortgage · FHA Mortgage HUD
Jul 11, 2022	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MTG CORP
Dec 2, 2021	Warranty Deed, Foreclosure
Oct 26, 2021	Warranty Deed, Foreclosure
Oct 7, 2021	Foreclosure
Jul 22, 2020	Quit Claim Deed, Foreclosure OTHER
Mar 2, 2020	Grant Deed, Foreclosure NOT AVAILABLE
Jan 28, 2020	Court-Ordered Deed, Transfer ATTORNEY ONLY
Apr 20, 2017	Deed, Transfer · FHA Mortgage

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2022 · Amount on Record
Deed Sale	Jul 11, 2022 · Amount on Record
Deed Document Number	2022425094
Prior Transfer Date	Jul 15, 2020
Prior Transfer Doc	0000409637
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	300 W MILL ST, WATERLOO, IL 62298-1236
Transaction Type	Mortgage
Record Updated	Sep 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000439177
Date	Sep 8, 2025
Instrument	439177

Lender

Name	HUD
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Aug 1, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 11, 2022
Property Address	300 W MILL ST, WATERLOO, IL 62298-1236
Document Number	0000425094
Instrument Date	Jul 7, 2022
Instrument	425094
Transaction Type	Transfer
Record Updated	Jul 27, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 MARIETTA ST NW, 40, ATLANTA, GA 30303-2812

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 W MILL ST, WATERLOO, IL 62298-1236

Mortgage

Document Number	0000425095
Date	Jul 11, 2022
Instrument	425095

Lender

Name	FAIRWAY INDEPENDENT MTG CORP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

December 2021: Warranty Deed, Foreclosure

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Dec 2, 2021
Property Address	300 W MILL ST, WATERLOO, IL 62298-1236
Document Number	0000421237
Instrument Date	Dec 1, 2021
Instrument	421237
Transaction Type	Foreclosure
Record Updated	Dec 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2000 N CLASSEN BLVD, OKLAHOMA CITY, OK 73106-6016

October 2021: Warranty Deed, Foreclosure

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Oct 26, 2021
Property Address	300 W MILL ST, WATERLOO, IL 62298-1236
Document Number	0000420582
Instrument Date	Oct 4, 2021
Instrument	420582
Transaction Type	Foreclosure
Record Updated	Nov 10, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2000 N CLASSEN BLVD STE 110E, 110E, OKLAHOMA CITY, OK 73106-6100

October 2021: Foreclosure

Document Type	Foreclosure
Jurisdiction	MONROE IL
Recording Date	Oct 7, 2021
Property Address	300 W MILL ST, WATERLOO, IL 62298-1236
Document Number	0000420203
Instrument Date	Sep 30, 2021
Instrument	420203
Transaction Type	Foreclosure
Record Updated	Oct 20, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 S WACKER DR LBBY 24, 1, CHICAGO, IL 60606-4615

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4425 PONCE DE LEON BLVD, CORAL GABLES, FL 33146-1837
Investor	Possibly a Property Investor

July 2020: Quit Claim Deed, Foreclosure

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Jul 22, 2020
Property Address	300 W MILL ST, WATERLOO, IL 62298-1236
Document Number	0000409637
Instrument Date	Jul 15, 2020
Instrument	409637
Transaction Type	Foreclosure
Record Updated	Aug 17, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4425 PONCE DE LEON BLVD CORAL GABLES FL 331461837, CORAL GABLES, FL 33146-1837
Investor	Possibly a Property Investor

March 2020: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	Mar 2, 2020
Property Address	300 W MILL ST, WATERLOO, IL 62298-1236
Document Number	0000406464
Instrument Date	Feb 24, 2020
Instrument	406464
Transaction Type	Foreclosure
Record Updated	Mar 18, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

January 2020: Court-Ordered Deed, Transfer

Document Type	Court-Ordered Deed
Jurisdiction	MONROE IL
Recording Date	Jan 28, 2020
Property Address	300 W MILL ST, WATERLOO, IL 62298-1236
Document Number	0000405881
Instrument Date	Jan 7, 2020
Instrument	405881
Transaction Type	Transfer
Record Updated	Feb 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4425 PONCE DE LEON BLVD CORAL GABLES FL 331461837, CORAL GABLES, FL 33146-1837

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Apr 20, 2017
Property Address	300 W MILL ST, WATERLOO, IL 62298-1236
Document Number	0000389358
Map Reference	PE 183-B
Instrument Date	Apr 19, 2017
Instrument	389358
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$126.00
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	300 W MILL ST, WATERLOO, IL 62298-1236

Mortgage

Document Number	, 389359
Date	Apr 20, 2017
Instrument	389359

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	4.38%

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	$2,049.00 (+8.3%) Homeowner's exemption	$39,340 (+4.77%) Land $15,380 Building $23,960	$118,020 (+4.77%) Land $46,140 Building $71,880
2024	$1,892.00
2022		$37,550 Land $14,530 Building $23,020	$112,650 Land $43,590 Building $69,060

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

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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