Monroe County property record for 1504 Rachael Ln, Waterloo, IL 62298 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,594 sqft · built 2014 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,619 (2024) |
| Deeds & Mortgages | Mar 2026 Mortgage Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-12-334-037-000 |
| Primary APN | 07-12-334-037-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,594 sqft Living Area |
| 1st Floor Area | 1,594 sqft |
| Basement Area | 1,594 sqft |
| Unfinished Basement | 1,594 sqft |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Area | 462 sqft |
| Porch | Porch |
| Porch Area | 96 sqft |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|
| Street Address | 1504 RACHAEL LN |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-5588 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 37 ROSE MEADOWS PHASE 2 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 12 |
| Legal Subdivision | ROSE MEADOWS |
| Legal Lot Number | 37 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 30 |
| Census Block Group | 2 |
| Census Block | 2053 |
| Census Tract | 600402 |
Source: Monroe County records · APN 07-12-334-037-000
Assessment roll updated August 29, 2025 · Last verified August 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 | 1504 RACHAEL LN, WATERLOO, IL 62298-5588 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 12, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Nov 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Jul 06, 2020 | Deed of Trust, Mortgage · Conventional with PMI FIRST NAT'L BK/WATERLOO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 1504 RACHAEL LN, WATERLOO, IL 62298-5588 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000441599 |
|---|---|
| Date | Mar 12, 2026 |
| Instrument | 441599 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 1504 RACHAEL LN, WATERLOO, IL 62298-5588 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000421141 |
|---|---|
| Date | Nov 29, 2021 |
| Instrument | 421141 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 1504 RACHAEL LN, WATERLOO, IL 62298-5588 |
| Document Number | 0000409439 |
| Instrument Date | Jul 06, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 06, 2020 |
| Title Company | MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC) |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1504 RACHAEL LN WATERLOO IL 622985588, WATERLOO, IL 62298-5588 |
| Document Number | 0000409439 |
|---|---|
| Date | Jul 16, 2020 |
| Instrument | 409439 |
| Name | FIRST NAT'L BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | WATERLOO, IL 62298 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 15, 2045 |
| Rate | 3% |
|---|
Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified August 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 | $106,380 (+25.34%) Land $16,840 Building $89,540 | $319,140 (+25.34%) Land $50,520 Building $268,620 | |
| 2024 | $5,619.00 | ||
| 2022 | Additional exemption filed | $84,870 Land $15,450 Building $69,420 | $254,610 Land $46,350 Building $208,260 |
Source: FEMA National Flood Hazard Layer, Monroe County (17133C), updated August 18, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171336004022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 1 individual NFIP policies nearby |
| Nearby Flood Policies | 1 in force 1 of 1 on primary residences |
| Nearby Flood Claims | 263 (1993–2019) |
| Most Recent Claim | Jun 2019, river or lake flooding, Severe Storms And Flooding |
| Flood Events |
|
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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