Monroe County property record for 316 W Mill St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 9 ba · 2,312 sqft · built 1885 |
| Lot Size | 0.28 acres (12,408 sqft) |
| Owner | Company Name on Record |
| Last Sale | $385,000 (Mar 2023) |
| Tax Bill | $7,874 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-249-010-000 |
| Primary APN | 07-25-249-010-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 9 Baths |
| Plumbing Fixtures | 26 Plumbing Fixtures |
| Units | 6 Units |
| Stories | 2 Stories |
| Building Area | 2,312 sqft Base Area |
| 1st Floor Area | 2,312 sqft |
| Year Built | Built 1885 |
|---|---|
| Effective Year Built | Effective 1885 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Raised |
| Lot Area | 12,408 sqft (0.28 acres) |
| Lot Dimensions | 155 ft deep x 70 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 316 W MILL ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1243 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WB3 |
| Legal Description | LOT 4B, 5B & 6B MARTINS ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | MARTINS ADD |
| Legal Lot Number | 4B,5B |
| 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.
Source: Monroe County records, as of October 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 1323 SUMMERFIELD, WATERLOO, IL 62298-2873 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 1, 2023 · Amount on Record |
| Deed Sale | Mar 1, 2023 · Amount on Record |
| Deed Document Number | 2023428076 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Mar 1, 2023 |
| Property Address | 316 W MILL ST, WATERLOO, IL 62298-1243 |
| Document Number | 0000428076 |
| Map Reference | MB A PG 5 |
| Instrument Date | Feb 27, 2023 |
| Instrument | 428076 |
| Transaction Type | Transfer |
| Record Updated | Mar 15, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $577.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 260, COLUMBIA, IL 62236-0260 |
| Name | Verified Name |
|---|---|
| Address | 1323 SUMMERFIELD, WATERLOO, IL 62298-2873 |
| Document Number | 0000428077 |
|---|---|
| Date | Mar 1, 2023 |
| Instrument | 428077 |
| Name | FIRST NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 1, 2024 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7% |
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 | $7,874.00 (+4.68%) | $129,040 (+1.54%) Land $16,800 Building $112,240 | $387,120 (+1.54%) Land $50,400 Building $336,720 |
| 2024 | $7,522.00 | $127,080 (+58.71%) Land $16,443 Building $110,637 | $381,240 (+58.71%) Land $49,329 Building $331,911 |
| 2022 | $80,070 Land $15,400 Building $64,670 | $240,210 Land $46,200 Building $194,010 |
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.
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.
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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