311 W Mill St, Waterloo, IL 62298 Property Records

Monroe County property record for 311 W Mill St, Waterloo, IL 62298

Property Summary

Property Type	Duplex
Details	3 bd · 4 ba · 1,475 sqft · built 1820
Lot Size	0.23 acres (10,184 sqft)
Owner	Individual Name on Record
Tax Bill	$2,478 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2019 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-201-028-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-201-028-000`
Alternative APN	`07250720400200 00`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,475 sqft Living Area
1st Floor Area	1,475 sqft

Exterior

Year Built	Built 1820
Effective Year Built	Effective 1820
Architectural Style	Duplex Single
Construction Type	Frame
Foundation Type	Raised
Lot Area	10,184 sqft (0.23 acres)
Lot Dimensions	155 ft deep x 75 ft wide

Exterior Amenities

Porch	Slab
Porch Area	260 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	311 W MILL ST
City	WATERLOO
State	IL
Zip	62298-1237
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	WB3
Legal Description	LOTS 4A, 4B & 5B MARTINS ADDN
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	MARTINS ADD
Legal Lot Number	4A,4B
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	2000 N 6TH ST, DUPO, IL 62239-1058
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
May 15, 2019	Loan Modification, Mortgage COLUMBIA NAT'L BK
Apr 6, 2019	Loan Modification, Mortgage NOT AVAILABLE
Jan 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage COLUMBIA NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	311 W MILL ST, WATERLOO, IL 62298-1237
Transaction Type	Mortgage
Record Updated	Mar 10, 2021
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000415041
Date	Feb 19, 2021
Instrument	415041

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE IL
Property Address	311 W MILL ST, WATERLOO, IL 62298-1237
Document Number	0000402641
Instrument Date	May 15, 2019
Transaction Type	Mortgage
Record Updated	Aug 2, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2000 N 6TH ST DUPO IL 622391058, DUPO, IL 62239-1058

Mortgage

Document Number	0000402641
Date	Jul 25, 2019
Instrument	402641

Lender

Name	COLUMBIA NAT'L BK
Type	Bank
Address	COLUMBIA, IL 62236

Agreement

Term	36 Months
Due	Jul 24, 2022

Interest

Rate	5.5%

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE IL
Property Address	311 W MILL ST, WATERLOO, IL 62298-1237
Document Number	0000402642
Instrument Date	Apr 6, 2019
Transaction Type	Mortgage
Record Updated	Aug 2, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	2000 N 6TH ST DUPO IL 622391058, DUPO, IL 62239-1058

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	311 W MILL ST, WATERLOO, IL 62298-1237
Document Number	0000394709
Instrument Date	Jan 18, 2017
Transaction Type	Mortgage
Record Updated	Mar 13, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2000 N 6TH ST DUPO IL 622391058, DUPO, IL 62239-1058

Mortgage

Document Number	0000394709
Date	Mar 7, 2018
Instrument	394709

Lender

Name	COLUMBIA NAT'L BK
Type	Bank
Address	COLUMBIA, IL 62236

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 6, 2028

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	$2,478.00 (+8.02%)	$40,320 (+8.07%) Land $16,500 Building $23,820	$120,960 (+8.07%) Land $49,500 Building $71,460
2024	$2,294.00
2022		$37,310 Land $15,230 Building $22,080	$111,930 Land $45,690 Building $66,240

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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