Monroe County property record for 403 W Mill St, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,056 sqft · built 1881 |
| Lot Size | 0.09 acres (3,931 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $135,000 (Oct 2023) |
| Tax Bill | $3,391 (2025) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-25-249-003-000 |
| Primary APN | 07-25-249-003-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Basement Area | 1,056 sqft |
| Unfinished Basement | 1,056 sqft |
| Year Built | Built 1881 |
|---|---|
| Effective Year Built | Effective 1881 |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 3,931 sqft (0.09 acres) |
| Lot Dimensions | 78 ft deep x 49 ft wide |
| Garage Area | 459 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 136 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 403 W MILL ST |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-1239 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WB3 |
| Legal Description | LOT 24 J B MOORES ADDN |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 25 |
| Legal Subdivision | J B MOORES ADD |
| Legal Lot Number | 24 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 32 |
| Census Block Group | 3 |
| Census Block | 3049 |
| 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.
403 W Mill St is owned and occupied by two individuals who bought it in October 2023.
Source: Monroe County records, as of October 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 403 W MILL ST, WATERLOO, IL 62298-1239 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 24, 2023 · Amount on File |
| Deed Sale | Oct 24, 2023 · Amount on File |
| Deed Document Number | 2023430985 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Oct 24, 2023 |
| Property Address | 403 W MILL ST, WATERLOO, IL 62298-1239 |
| Document Number | 0000430985 |
| Map Reference | MB A PG 4 |
| Instrument Date | Oct 20, 2023 |
| Instrument | 430985 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $202.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 403 W MILL ST, WATERLOO, IL 62298-1239 |
| Name | Verified Name |
|---|---|
| Address | 403 W MILL ST, WATERLOO, IL 62298-1239 |
| Document Number | 0000430986 |
|---|---|
| Date | Oct 24, 2023 |
| Instrument | 430986 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.68% |
The 2025 property tax bill for 403 W Mill St was $3,391, up 7% from the year before.
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 | $3,391.00 (+7.01%) Homeowner's exemption | $61,340 Land $15,480 Building $45,860 | $184,020 Land $46,440 Building $137,580 |
| 2024 | $3,169.00 | ||
| 2022 | Additional exemption filed | $52,490 Land $14,600 Building $37,890 | $157,470 Land $43,800 Building $113,670 |
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.
FEMA maps place 403 W Mill St in Zone X, an area of minimal flood risk.
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.
The area around 403 W Mill St has no burnable land within ember reach, so its wildfire risk is not rated.
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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