307 W Mill St, Waterloo, IL 62298 Property Records

Monroe County property record for 307 W Mill St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,200 sqft · built 1910
Lot Size	0.11 acres (4,810 sqft)
Owner	Individual Name on Record
Last Sale	$60,000 (Feb 2018)
Tax Bill	$2,941 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Feb 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`07-25-201-031-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-201-031-000`
Alternative APN	`07250720400500 00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Construction Type	Frame
Foundation Type	Raised
Lot Area	4,810 sqft (0.11 acres)
Lot Dimensions	155 ft deep x 31 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Patio Area	65 sqft
Canopy	45 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	307 W MILL ST
City	WATERLOO
State	IL
Zip	62298-1237
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WB3
Legal Description	W/2 LOT 2 MARTINS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	MARTINS ADD
Legal Lot Number	2
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 October 20, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	307 W MILL ST, WATERLOO, IL 62298-1237
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage JAMES ROBERT GREATHOUSE
Feb 22, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2018 · Amount on Record
Deed Sale	Feb 22, 2018 · Amount on Record
Deed Document Number	2018394483
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	307 W MILL ST, WATERLOO, IL 62298-1237
Document Number	0000395421
Instrument Date	Feb 19, 2018
Transaction Type	Mortgage
Record Updated	Apr 30, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 W MILL ST WATERLOO IL 622981237, WATERLOO, IL 62298-1237

Mortgage

Document Number	0000395421
Date	Apr 23, 2018
Instrument	395421

Lender

Name	JAMES ROBERT GREATHOUSE
Address	12716 HELL RIDGE RD, BROWNING, IL 62624-4071

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	600 Months
Due	Apr 22, 2068

Interest

Rate	2.63%

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	Feb 22, 2018
Property Address	307 W MILL ST, WATERLOO, IL 62298-1237
Document Number	0000394483
Instrument Date	Jan 31, 2018
Instrument	394483
Transaction Type	Transfer
Record Updated	Feb 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$90.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 N EAST ST SMITHTON IL 622851753, SMITHTON, IL 62285-1753

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	$2,941.00 (+7.89%) Homeowner's exemption	$53,600 (+2.95%) Land $15,650 Building $37,950	$160,800 (+2.95%) Land $46,950 Building $113,850
2024	$2,726.00 (+204.58%)	$52,065 (+161.11%) Land $15,461 Building $36,604	$156,195 (+161.11%) Land $46,383 Building $109,812
2022	$895.00 Additional exemption filed	$19,940 Land $6,250 Building $13,690	$59,820 Land $18,750 Building $41,070

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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