Monroe County property record for 304 W Mill St, Waterloo, IL 62298
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 4 ba · 1,204 sqft · built 1900 |
| Lot Size | 0.348 acres (3,671 sqft) |
| Owner | Company Name on File |
| Last Sale | $96,500 (Jan 2019) |
| Tax Bill | $2,748 (2025) |
| Deeds & Mortgages | Jan 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-249-028-000 |
| Primary APN | 07-25-249-028-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,204 sqft Building Perimeter |
| 1st Floor Area | 1,204 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Duplex Single |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 3,671 sqft (0.348 acres) |
| Lot Dimensions | 52 ft deep x 70 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 60 sqft |
| Patio Area | 416 sqft |
| Shed | 1 Shed |
| Shed Area | 378 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 304 W MILL ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1236 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | WB3 |
| Legal Description | LOT 14B KOHLER SUBD BLK 23 MARTINS ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | KOHLER |
| Legal Block | 23 |
| Legal Lot Number | 14B |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 32 |
| Census Block Group | 3 |
| Census Block | 3051 |
| Census Tract | 600401 |
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.
304 W Mill St, a duplex, is owned by a company that bought it in January 2019.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 404 W 3RD ST, WATERLOO, IL 62298-1357 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 17, 2019 · Amount on File |
| Deed Sale | Jan 17, 2019 · Amount on File |
| Deed Document Number | 2019399570 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jan 17, 2019 |
| Property Address | 304 W MILL ST, WATERLOO, IL 62298-1236 |
| Document Number | 0000399570 |
| Instrument Date | Jan 16, 2019 |
| Instrument | 399570 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Title Company | ACCENT TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $144.75 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | REAR, WATERLOO, IL 62298 |
| Document Number | 0000399571 |
|---|---|
| Date | Jan 17, 2019 |
| Instrument | 399571 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 304 W Mill St was $2,748, down 2.4% from the year before.
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,748.00 (-2.38%) | $45,040 Land $14,300 Building $30,740 | $135,120 Land $42,900 Building $92,220 |
| 2024 | $2,815.00 | ||
| 2022 | $32,160 Land $5,580 Building $26,580 | $96,480 Land $16,740 Building $79,740 |
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.
FEMA maps place 304 W Mill St in Zone X, an area of minimal flood risk.
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.
The area around 304 W Mill St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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