Monroe County property record for 401 W Mill St, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1900 |
| Square Footage | 1,224 sqft Building Perimeter |
| Lot Size | 8,851 sqft (0.2 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $212,500 (2021) |
| Tax Bill | $3,885.00 (2024) |
Source: Monroe County records · APN 07-25-249-004-000
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 | Individual Name on File |
|---|---|
| Mailing Address | 401 W MILL ST, WATERLOO, IL 62298-1239 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 16, 2026 | Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Sep 12, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Aug 18, 2021 | Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK |
| Aug 25, 2017 | Quit Claim Deed, Transfer DAS ACQUISITION |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 18, 2021 · Amount on Record |
| Deed Sale | Aug 18, 2021 · Amount on Record |
| Deed Doc Number | 2021419171 |
| Last Transfer Date | Mar 11, 2026 |
| Transfer Doc | 0000441648 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Mar 16, 2026 |
| Property Address | 401 W MILL ST, WATERLOO, IL 62298-1239 |
| Document Number | 0000441648 |
| Map Reference | MB A PG 4 |
| Instrument Date | Mar 11, 2026 |
| Instrument | 441648 |
| Transaction Type | Transfer |
| Record Updated | Apr 01, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 401 W MILL ST, WATERLOO, IL 62298-1239 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 401 W MILL ST, WATERLOO, IL 62298-1239 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000426054 |
|---|---|
| Date | Sep 12, 2022 |
| Instrument | 426054 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Aug 18, 2021 |
| Property Address | 401 W MILL ST, WATERLOO, IL 62298-1239 |
| Document Number | 0000419171 |
| Instrument Date | Aug 18, 2021 |
| Instrument | 419171 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $318.75 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 401 W MILL ST, WATERLOO, IL 62298-1239 |
| Document Number | 0000419172 |
|---|---|
| Date | Aug 18, 2021 |
| Instrument | 419172 |
| Name | FIRST NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Aug 25, 2017 |
| Property Address | 401 W MILL ST, WATERLOO, IL 62298-1239 |
| Document Number | 0000391596 |
| Instrument Date | Aug 15, 2017 |
| Instrument | 391596 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2017 |
| Title Company | GREATER ILLINOIS TITLE COMPANY, GREATER ILLINOIS TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 401 W MILL ST WATERLOO IL 622981239, WATERLOO, IL 62298-1239 |
| Document Number | 391597 |
|---|---|
| Date | Aug 25, 2017 |
| Instrument | 391597 |
| Name | DAS ACQUISITION |
|---|---|
| Address | ST LOUIS, MO 63141 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 24, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
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 | $46,770 (-34.72%) Land $16,230 Building $30,540 | $140,310 (-34.72%) Land $48,690 Building $91,620 | |
| 2024 | $3,885.00 | $71,646 (+16.06%) Land $15,958 Building $55,688 | $214,938 (+16.06%) Land $47,874 Building $167,064 |
| 2022 | Additional exemption filed | $61,730 Land $15,050 Building $46,680 | $185,190 Land $45,150 Building $140,040 |
Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · 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.
| Primary APN | 07-25-249-004-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Building Area | 1,224 sqft Building Perimeter |
| 1st Floor | 1,224 sqft 1st Floor |
| Stories | 1 Stories |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame Construction |
| Foundation Type | No Foundation Foundation |
| Lot Area | 8,851 sqft (0.2 acres) |
| Depth X Width | 88 ft x 98 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Area | 536 sqft Garage |
| Patio Area | 240 sqft Patio |
| Porch Area | 204 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Street Address | 401 W MILL ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1239 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOTS 7A & 8A J B MOORES ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | J B MOORES ADD |
| Legal Lot Number | 7A |
| Jurisdiction | MONROE IL |
| Minor Civil Division | 32 |
| Census Blockgroup | 3 |
| Census Block | 3049 |
| Census Tract | 600401 |
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