500 W Mill St, Waterloo, IL 62298 Property Records

Monroe County property record for 500 W Mill St, Waterloo, IL 62298

Property Summary

Property Type	Commercial
Details	4 bd · 5 ba · 2,400 sqft · built 1920
Lot Size	0.46 acres (20,117 sqft)
Owner	Company Name on Record
Last Sale	$155,000 (Sep 2020)
Tax Bill	$1,819 (2025)
Deeds & Mortgages	Feb 2024 Transfer Jan 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-25-181-032-000`

Property Details

APN / Parcel Number

Primary APN	`07-25-181-032-000`
Alternative APN	`07251010201100 00`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Units	10 Units
Stories	1 Story
Building Area	2,400 sqft Heated Area
1st Floor Area	2,400 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Foundation Type	Raised
Lot Area	20,117 sqft (0.46 acres)
Lot Dimensions	163 ft deep x 114 ft wide
Shed	1 Shed
Shed Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	500 W MILL ST
City	WATERLOO
State	IL
Zip	62298-1266
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	WB3
Legal Description	LOTS 1A 1B 2A 2B & 3 MICHAEL BURCKHARDTS SUBD
Legal Range	10W
Legal Township	02S
Legal Section	25
Legal Subdivision	MICHAEL BURCKHARDTS SUB
Legal Lot Number	1A
Jurisdiction	MONROE IL
Township / Civil Division	17
Census Block Group	3
Census Block	3057
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	Company Name on Record
Mailing Address	100 W 4TH ST, WATERLOO, IL 62298-1333
Owner Type	Company
Vesting	Government

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2024	Quit Claim Deed, Transfer Quitclaim
Jan 4, 2022	Quit Claim Deed, Transfer Quitclaim
Sep 23, 2020	Warranty Deed, Transfer MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)
Jun 8, 2019	Loan Modification, Mortgage COMMERCE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2020 · Amount on Record
Deed Sale	Sep 23, 2020 · Amount on Record
Deed Document Number	2020411201
Last Transfer Date	Feb 20, 2024
Transfer Doc	0000432183
Record Updated	Oct 29, 2026

February 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Feb 21, 2024
Property Address	500 W MILL ST, WATERLOO, IL 62298-1266
Document Number	0000432183
Instrument Date	Feb 15, 2024
Instrument	432183
Transaction Type	Transfer
Record Updated	Mar 6, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3106 OLDE POST RD, SAINT LOUIS, MO 63129-3988

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 W 4TH ST, WATERLOO, IL 62298-1333

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE IL
Recording Date	Jan 4, 2022
Property Address	500 W MILL ST, WATERLOO, IL 62298-1266
Document Number	0000421863
Instrument Date	Dec 21, 2021
Instrument	421863
Transaction Type	Transfer
Record Updated	Feb 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3106 OLDE POST RD, SAINT LOUIS, MO 63129-3988

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Sep 23, 2020
Property Address	500 W MILL ST, WATERLOO, IL 62298-1266
Document Number	0000411201
Instrument Date	Sep 22, 2020
Instrument	411201
Transaction Type	Transfer
Record Updated	Oct 7, 2020
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transaction

Amount	Amount Recorded
Tax	$233.00
Amount Accuracy	Confirmed
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	3106 OLDE POST RD ST LOUIS MO 631293988, ST LOUIS, MO 63129-3988

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE IL
Property Address	500 W MILL ST, WATERLOO, IL 62298-1266
Document Number	0000402448
Instrument Date	Jun 8, 2019
Transaction Type	Mortgage
Record Updated	Jul 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2555 OAKRIDGE DR WATERLOO IL 622985332, WATERLOO, IL 62298-5332

Mortgage

Document Number	0000402448
Date	Jul 15, 2019
Instrument	402448

Lender

Name	COMMERCE BK
Type	Bank
Address	COLUMBIA, IL 62236

Agreement

Amount	Amount Recorded

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	$1,819.00 (+5.39%)	$29,810 (-41.85%) Land $17,780 Building $12,030	$89,430 (-41.85%) Land $53,340 Building $36,090
2024	$1,726.00 (-47.55%)
2022	$3,291.00	$51,260 Land $16,040 Building $35,220	$153,780 Land $48,120 Building $105,660

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.

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