Monroe County property record for 1407 Rachael Ln, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,578 sqft · built 2002 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,550 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-12-350-134-000 |
| Primary APN | 07-12-350-134-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,578 sqft Living Area |
| 1st Floor Area | 1,578 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Area | 484 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 680 sqft |
| Porch | Slab |
| Porch Area | 60 sqft |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 1407 RACHAEL LN |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-5574 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR2 |
| Legal Description | LOT 134 DANNEHOLD FARM ESTATES PHASE II PLAT 2 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 12 |
| Legal Subdivision | DANNEHOLD FARM ESTATES |
| Legal Lot Number | 134 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 30 |
| Census Block Group | 2 |
| Census Block | 2072 |
| Census Tract | 600402 |
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 | 1407 RACHAEL LN, WATERLOO, IL 62298-5574 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 1407 RACHAEL LN, WATERLOO, IL 62298-5574 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000425422 |
|---|---|
| Date | Jul 29, 2022 |
| Instrument | 425422 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2052 |
| Rate Type | Fixed Rate |
|---|
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 | $5,550.00 (+5.88%) Homeowner's exemption | $96,710 (+26.5%) Land $16,840 Building $79,870 | $290,130 (+26.5%) Land $50,520 Building $239,610 |
| 2024 | $5,242.00 | ||
| 2022 | Additional exemption filed | $76,450 Land $15,450 Building $61,000 | $229,350 Land $46,350 Building $183,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 263 (1993–2019) |
| Most Recent Claim | Jun 2019 · Severe Storms And Flooding |
| Claims by Event |
|
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.
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 123 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Harrisonville Telephone Company Fiber · DSL | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
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