301 W Mill St, Waterloo, IL 62298 Property Records

Monroe County property record for 301 W Mill St, Waterloo, IL 62298

Property Summary

Property Type	Commercial
Details	1 bd · 3 ba · 1,491 sqft · built 1870
Lot Size	0.18 acres (7,680 sqft)
Owner	2 Individual Names on Record
Last Sale	$138,000 (Jul 2019)
Tax Bill	$5,589 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-201-034-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-201-034-000`
Alternative APN	`07250720400700 00`

Interior

Bedrooms	1 Bed
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,491 sqft Building Perimeter
1st Floor Area	1,491 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Lot Area	7,680 sqft (0.18 acres)
Lot Dimensions	155 ft deep x 47 ft wide
Garage Area	900 sqft
Porch	Slab
Porch Area	257 sqft
Patio Area	399 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	301 W MILL ST
City	WATERLOO
State	IL
Zip	62298-1237
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	WB3
Legal Description	LOT 8 MARTINS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	MARTINS ADD
Legal Lot Number	8
Jurisdiction	MONROE IL
Township / Civil Division	32
Census Block Group	3
Census Block	3039
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	301 W MILL ST, WATERLOO, IL 62298-1237
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF BELLEVILLE
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF BELLEVILLE
Jul 22, 2019	Warranty Deed, Transfer · Line of Credit STATE BK/WATERLOO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2019 · Amount on Record
Deed Sale	Jul 22, 2019 · Amount on Record
Deed Document Number	2019402597
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	301 W MILL ST, WATERLOO, IL 62298-1237
Transaction Type	Mortgage
Record Updated	Dec 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000420945
Date	Nov 15, 2021
Instrument	420945

Lender

Name	BANK OF BELLEVILLE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	301 W MILL ST, WATERLOO, IL 62298-1237
Transaction Type	Mortgage
Record Updated	Dec 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000420946
Date	Nov 15, 2021
Instrument	420946

Lender

Name	BANK OF BELLEVILLE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 22, 2019
Property Address	301 W MILL ST, WATERLOO, IL 62298-1237
Document Number	0000402597
Instrument Date	Jul 22, 2019
Instrument	402597
Transaction Type	Transfer
Record Updated	Aug 2, 2019
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$207.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	106 LEMEN ST WATERLOO IL 622981345, WATERLOO, IL 62298-1345

Mortgage

Document Number	402598
Date	Jul 22, 2019
Instrument	402598

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 21, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.98%

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		$103,020 (+123.96%) Land $16,070 Building $86,950	$309,060 (+123.96%) Land $48,210 Building $260,850
2024	$5,589.00
2022		$46,000 Land $10,080 Building $35,920	$138,000 Land $30,240 Building $107,760

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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