317 W Mill St, Waterloo, IL 62298 Property Records

Monroe County property record for 317 W Mill St, Waterloo, IL 62298

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 986 sqft · built 1899
Lot Size	0.435 acres (4,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$119,500 (Jul 2019)
Tax Bill	$2,536 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-201-035-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-201-035-000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	986 sqft Living Area
1st Floor Area	986 sqft

Exterior

Year Built	Built 1899
Effective Year Built	Effective 1899
Construction Type	Frame
Foundation Type	Raised
Lot Area	4,148 sqft (0.435 acres)
Lot Dimensions	67 ft deep x 66 ft wide

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	317 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	PART LOT 5A
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	MARTINS ADD
Legal Lot Number	5A
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 13, 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 Record
Mailing Address	317 W MILL ST, WATERLOO, IL 62298-1237
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2020	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FIN'L
Jul 12, 2019	Warranty Deed, Transfer · Conventional Mortgage ROYAL PACIFIC FUNDING CORP
Sep 18, 2018	Deed of Trust, Mortgage · Line of Credit SCOTT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2019 · Amount on Record
Deed Sale	Jul 12, 2019 · Amount on Record
Deed Document Number	2019402431
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	317 W MILL ST, WATERLOO, IL 62298-1237
Document Number	0000411265
Instrument Date	Sep 10, 2020
Transaction Type	Mortgage
Record Updated	Oct 9, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 W MILL ST WATERLOO IL 622981237, WATERLOO, IL 62298-1237

Mortgage

Document Number	0000411265
Date	Sep 25, 2020
Instrument	411265

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 12, 2019
Property Address	317 W MILL ST, WATERLOO, IL 62298-1237
Document Number	0000402431
Instrument Date	Jul 11, 2019
Instrument	402431
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$179.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	317 W MILL ST, WATERLOO, IL 62298-1237

Mortgage

Document Number	0000402432
Date	Jul 12, 2019
Instrument	402432

Lender

Name	ROYAL PACIFIC FUNDING CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	4.13%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	317 W MILL ST, WATERLOO, IL 62298-1237
Document Number	0000398051
Instrument Date	Sep 18, 2018
Transaction Type	Mortgage
Record Updated	Oct 9, 2018
Title Company	ILLINOIS TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	317 W MILL ST WATERLOO IL 622981237, WATERLOO, IL 62298-1237

Mortgage

Document Number	0000398051
Date	Sep 28, 2018
Instrument	398051

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 27, 2043

Interest

Rate Type	Adjustable Rate

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	$2,536.00 (+6.96%)	$41,570 (+7.25%) Land $15,550 Building $26,020	$124,710 (+7.25%) Land $46,650 Building $78,060
2024	$2,371.00
2022	Additional exemption filed	$38,760 Land $14,640 Building $24,120	$116,280 Land $43,920 Building $72,360

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.

Nearby Properties on W Mill St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures