Monroe County property record for 1415 Rachael Ln, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 5 Baths |
| Year Built | Built 2001 |
| Square Footage | 1,729 sqft Living Area |
| Lot Size | 12,632 sqft (0.29 acres) |
| Garage | 504 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $5,893.00 (2024) |
Source: Monroe County records · APN 07-12-350-132-000
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 1415 RACHAEL LN, WATERLOO, IL 62298-5574 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SCOTT CU |
| Jan 04, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GERSHMAN INVESTMENT CORP |
| Oct 23, 2017 | Grant Deed, Transfer · Federal Housing Administration (FHA) Mortgage GUARANTEED RATE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 1415 RACHAEL LN, WATERLOO, IL 62298-5574 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000418601 |
|---|---|
| Date | Jul 21, 2021 |
| Instrument | 418601 |
| Name | SCOTT CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 1415 RACHAEL LN, WATERLOO, IL 62298-5574 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2023 |
| Title Company | COMMUNITY TITLE AND ESCROW, COMMUNITY TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0000413937 |
|---|---|
| Date | Jan 04, 2021 |
| Instrument | 413937 |
| Name | GERSHMAN INVESTMENT CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Oct 23, 2017 |
| Property Address | 1415 RACHAEL LN, WATERLOO, IL 62298-5574 |
| Document Number | 0000392565 |
| Instrument Date | Oct 20, 2017 |
| Instrument | 392565 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2019 |
| Title Company | ACCENT TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 1415 RACHAEL LN WATERLOO IL 622985574, WATERLOO, IL 62298-5574 |
| Document Number | 392566 |
|---|---|
| Date | Oct 23, 2017 |
| Instrument | 392566 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 22, 2047 |
| Rate Type | Fixed Rate |
|---|
| Document Number | 392805, |
|---|---|
| Date | Oct 23, 2017 |
| Instrument | 392805 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 22, 2047 |
| Rate Type | Fixed Rate |
|---|
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 | $107,940 (+26.9%) Land $16,840 Building $91,100 | $323,820 (+26.9%) Land $50,520 Building $273,300 | |
| 2024 | $5,893.00 | ||
| 2022 | Additional exemption filed | $85,060 (+7.64%) Land $15,450 Building $69,610 | $255,180 (+7.64%) Land $46,350 Building $208,830 |
| 2021 | Additional exemption filed | $79,020 Land $13,050 Building $65,970 | $237,060 Land $39,150 Building $197,910 |
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.
| Primary APN | 07-12-350-132-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Building Area | 1,729 sqft Living Area |
| 1st Floor | 1,729 sqft 1st Floor |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Construction Type | Frame Construction |
| Foundation Type | No Foundation Foundation |
| Lot Area | 12,632 sqft (0.29 acres) |
| Driveway | Driveway Concrete |
| Driveway Area | 594 sqft Driveway |
| Garage Area | 504 sqft Garage |
| Patio Area | 144 sqft Patio |
| Porch Area | 90 sqft Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Street Address | 1415 RACHAEL LN |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-5574 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 132 DANNEHOLD FARM ESTATES PHASE II PLAT 2 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 12 |
| Legal Subdivision | DANNEHOLD FARM ESTATES |
| Legal Lot Number | 132 |
| Jurisdiction | MONROE IL |
| Minor Civil Division | 30 |
| Census Blockgroup | 2 |
| Census Block | 2072 |
| Census Tract | 600402 |
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