Monroe County property record for 309 W Mill St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,136 sqft · built 1923 |
| Lot Size | 0.22 acres (9,608 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,887 (2024) |
| Deeds & Mortgages | Feb 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-201-030-000 |
| Primary APN | 07-25-201-030-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,136 sqft Building Perimeter |
| 1st Floor Area | 1,136 sqft |
| Basement Area | 568 sqft |
| Unfinished Basement | 568 sqft |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Construction Type | Frame |
| Lot Area | 9,608 sqft (0.22 acres) |
| Lot Dimensions | 155 ft deep x 62 ft wide |
| Garage Area | 840 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 284 sqft |
| Patio Area | 135 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 309 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 | LOT 3 MARTINS ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | MARTINS ADD |
| Legal Lot Number | 3 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 32 |
| Census Block Group | 3 |
| Census Block | 3039 |
| Census Tract | 600401 |
Source: Monroe County records · APN 07-25-201-030-000
Assessment roll updated August 29, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 309 W MILL ST, WATERLOO, IL 62298-1237 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 309 W MILL ST, WATERLOO, IL 62298-1237 |
| Document Number | 0000406704 |
| Instrument Date | Feb 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2020 |
| Title Company | MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC) |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 309 W MILL ST WATERLOO IL 622981237, WATERLOO, IL 62298-1237 |
| Document Number | 0000406704 |
|---|---|
| Date | Mar 13, 2020 |
| Instrument | 406704 |
| Name | STATE BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 12, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Waterloo City |
| Unified School District | Waterloo Community Unit School District 5 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $73,660 (+18.48%) Land $16,400 Building $57,260 | $220,980 (+18.48%) Land $49,200 Building $171,780 | |
| 2024 | $3,887.00 | ||
| 2022 | Additional exemption filed | $62,170 Land $15,150 Building $47,020 | $186,510 Land $45,450 Building $141,060 |
Source: FEMA National Flood Hazard Layer as of August 18, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| HTC Holding DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Delta Communications, Wisper ISP.
Based on FCC filings for 458 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERLOO serves 10,190 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures