601 Mill St, Germantown, IL 62245 Property Records

Clinton County property record for 601 Mill St, Germantown, IL 62245

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,438 sqft · built 1943
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$16,000 (Oct 2020)
Tax Bill	$1,908 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Oct 2020 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12-11-04-452-005`

Property Details

APN / Parcel Number

Primary APN	`12-11-04-452-005`

Interior

Full Baths	1 Bath

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1986
Lot Area	10,454 sqft (0.24 acres)

Location & Zoning

Street Address	601 MILL ST
City	GERMANTOWN
State	IL
Zip	62245-1927
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SCHWAKE'S ADD BLK F S PT OF LOT 18 0.24 ACRES
Legal Range	04W
Legal Township	01N
Legal Section	04
Legal Subdivision	SCHWAKES ADD
Legal Block	F
Legal Lot Number	18
Jurisdiction	CLINTON IL
Township / Civil Division	GERMANTOWN
Census Block Group	2
Census Block	2030
Census Tract	900601

Owner

601 Mill St is owned by two individuals who bought it in October 2020.

Source: Clinton County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 10, GERMANTOWN, IL 62245-0010
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Oct 23, 2020	Warranty Deed, Transfer COMMUNITY TITLE
Mar 30, 2020	Warranty Deed, Transfer COMMUNITY TITLE
Mar 30, 2020	Warranty Deed, Transfer COMMUNITY TITLE
Jan 15, 2019	Deed, Transfer · Conventional Mortgage GERMANTOWN TRUST & SAV BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2020 · Amount on File
Deed Sale	Oct 23, 2020 · Amount on File
Prior Sale	Mar 30, 2020 · Amount on File
Deed Document Number	20205562
Prior Transfer Date	Dec 13, 2018
Prior Transfer Doc	0000000130
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON IL
Property Address	601 MILL ST, GERMANTOWN, IL 62245-1927
Transaction Type	Mortgage
Record Updated	Nov 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003750
Date	Oct 18, 2023
Instrument	2023R03750

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 1, 2043

Interest

Rate Type	Fixed Rate
Rate	7.63%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON IL
Recording Date	Oct 23, 2020
Property Address	601 MILL ST, GERMANTOWN, IL 62245-1927
Document Number	0000005562
Instrument Date	Oct 22, 2020
Instrument	5562
Transaction Type	Transfer
Record Updated	Nov 4, 2020
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount on Record
Tax	$24.00
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	606 MILL ST GERMANTOWN IL 62245, GERMANTOWN, IL 62245

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON IL
Recording Date	Mar 30, 2020
Property Address	601 MILL ST, GERMANTOWN, IL 62245-1927
Document Number	0000001369
Instrument Date	Mar 24, 2020
Instrument	1369
Transaction Type	Transfer
Record Updated	Apr 22, 2020
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount on Record
Tax	$30.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 MUNSTER ST GERMANTOWN IL 622451009, GERMANTOWN, IL 62245-1009

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLINTON IL
Recording Date	Mar 30, 2020
Property Address	601 MILL ST, GERMANTOWN, IL 62245-1927
Document Number	0000001371
Instrument Date	Mar 24, 2020
Instrument	1371
Transaction Type	Transfer
Record Updated	Apr 22, 2020
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount on Record
Tax	$38.00
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	505 OLD CARLYLE RD GERMANTOWN IL 622452057, GERMANTOWN, IL 62245-2057

January 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CLINTON IL
Recording Date	Jan 15, 2019
Property Address	601 MILL ST, GERMANTOWN, IL 62245-1927
Document Number	0000000130
Instrument Date	Dec 13, 2018
Instrument	2019R00130
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$67.50
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	21 BEECHWOOD LN, EAST HANOVER, NJ 07936-2946

Mortgage

Document Number	0000000131
Date	Jan 15, 2019
Instrument	2019R00131

Lender

Name	GERMANTOWN TRUST & SAV BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 601 Mill St was $1,908, up 7.6% from the year before.

Source: Clinton County assessment roll, as of September 22, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Clinton County
County Subdivision	Germantown Township
Municipality	Germantown Village
Secondary School District	Central Community High School District 71 (09 - 12)
Elementary School District	Germantown School District 60 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,908.00 (+7.61%)	$28,670 Land $4,210 Building $24,460	$86,010 Land $12,630 Building $73,380
2024	$1,773.00
2022	$1,387.00 (+4.29%)	$19,480 (+4%) Land $3,270 Building $16,210	$58,440 (+4%) Land $9,810 Building $48,630
2021	$1,330.00	$18,730 Land $3,140 Building $15,590	$56,190 Land $9,420 Building $46,770

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 601 Mill St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 20, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2013)
Most Recent Claim	Apr 2013 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 601 Mill St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	GERMANTOWN serves 1,537 people · EPA ID IL0270350
Water Source	Purchased surface water from BREESE
Last State Inspection	Mar 2025
Lead	Under 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	8 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 124 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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