Monroe County property record for 1517 Rachael Ln, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,679 sqft · built 2014 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $322,000 (Jul 2022) |
| Tax Bill | $6,821 (2024) |
| Deeds & Mortgages | Feb 2023 Mortgage Jul 2022 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-12-334-028-000 |
| Primary APN | 07-12-334-028-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,679 sqft Living Area |
| 1st Floor Area | 1,679 sqft |
| Basement Area | 1,679 sqft |
| Unfinished Basement | 1,679 sqft |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Area | 746 sqft |
| Porch | Porch |
| Porch Area | 272 sqft |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|
| Street Address | 1517 RACHAEL LN |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-5536 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 28 ROSE MEADOWS PHASE 2 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 12 |
| Legal Subdivision | ROSE MEADOWS |
| Legal Lot Number | 28 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 30 |
| Census Block Group | 2 |
| Census Block | 2054 |
| Census Tract | 600402 |
Source: Monroe County records · APN 07-12-334-028-000
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 | 1517 RACHAEL LN, WATERLOO, IL 62298-5536 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 23, 2023 | Deed of Trust, Mortgage · Conventional Mortgage CITIBANK |
| Jul 20, 2022 | Warranty Deed, Transfer COMMUNITY TITLE |
| Apr 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK |
| Aug 05, 2019 | Warranty Deed, Transfer · Conventional Mortgage COMMERCE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 20, 2022 · Amount on Record |
| Deed Sale | Jul 20, 2022 · Amount on Record |
| Prior Sale | Aug 05, 2019 · Amount on Record |
| Deed Document Number | 2022425247 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 1517 RACHAEL LN, WATERLOO, IL 62298-5536 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000428017 |
|---|---|
| Date | Feb 23, 2023 |
| Instrument | 428017 |
| Name | CITIBANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 01, 2020 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 6.75% |
| Index | 1-Month LIBOR |
| Max Rate | 9.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jul 20, 2022 |
| Property Address | 1517 RACHAEL LN, WATERLOO, IL 62298-5536 |
| Document Number | 0000425247 |
| Map Reference | DOC 325618 |
| Instrument Date | Jul 08, 2022 |
| Instrument | 425247 |
| Transaction Type | Transfer |
| Record Updated | Aug 03, 2022 |
| Title Company | COMMUNITY TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $483.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12 RHINELAND PL, 12, MILLSTADT, IL 62260-2258 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1517 RACHAEL LN, WATERLOO, IL 62298-5536 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 1517 RACHAEL LN, WATERLOO, IL 62298-5536 |
| Transaction Type | Mortgage |
| Record Updated | May 04, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000423873 |
|---|---|
| Date | Apr 18, 2022 |
| Instrument | 423873 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 09, 2032 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Aug 05, 2019 |
| Property Address | 1517 RACHAEL LN, WATERLOO, IL 62298-5536 |
| Document Number | 0000402885 |
| Instrument Date | Aug 01, 2019 |
| Instrument | 402885 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Title Company | TOWN & COUNTRY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $418.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1517 RACHAEL LN, WATERLOO, IL 62298-5536 |
| Document Number | 0000402886 |
|---|---|
| Date | Aug 05, 2019 |
| Instrument | 402886 |
| Name | COMMERCE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| 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 | $127,570 (+31.76%) Land $16,790 Building $110,780 | $382,710 (+31.76%) Land $50,370 Building $332,340 | |
| 2024 | $6,821.00 | ||
| 2022 | Additional exemption filed | $96,820 Land $15,410 Building $81,410 | $290,460 Land $46,230 Building $244,230 |
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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 263 (1993–2019) |
| Most Recent Claim | Jun 2019, river or lake flooding, Severe Storms And Flooding |
| Claims By Storm |
|
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 123 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| HTC Holding | Fiber | 1,000 / 1,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Wisper ISP | Fixed Wireless | 400 / 30 |
| Verizon | Fixed Wireless | 300 / 20 |
| HTC Holding | DSL | 100 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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