Monroe County property record for 1521 Rachael Ln, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,510 sqft · built 2015 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $5,713 (2024) |
| Deeds & Mortgages | May 2026 Line of Credit Feb 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-12-334-029-000 |
| Primary APN | 07-12-334-029-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,510 sqft Living Area |
| 1st Floor Area | 1,510 sqft |
| Basement Area | 1,510 sqft |
| Unfinished Basement | 1,510 sqft |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Area | 546 sqft |
| Porch | Porch |
| Porch Area | 80 sqft |
| Patio Area | 466 sqft |
| Cooling System | Central |
|---|
| Street Address | 1521 RACHAEL LN |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-5536 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR2 |
| Legal Description | LOT 29 ROSE MEADOWS PHASE 2 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 12 |
| Legal Subdivision | ROSE MEADOWS |
| Legal Lot Number | 29 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 30 |
| Census Block Group | 2 |
| Census Block | 2054 |
| Census Tract | 600402 |
Source: Monroe County records, as of July 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1521 RACHAEL LN, WATERLOO, IL 62298-5536 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 26, 2026 | Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF WATERLOO |
| Feb 15, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | May 26, 2026 |
| Property Address | 1521 RACHAEL LN, WATERLOO, IL 62298-5536 |
| Document Number | 0000442727 |
| Instrument Date | May 18, 2026 |
| Instrument | 2026442727 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1521 RACHAEL LN, WATERLOO, IL 62298-5536 |
| Investor | Possibly a Property Investor |
| Document Number | 0000442727, |
|---|---|
| Date | May 26, 2026 |
| Instrument | 2026442727 |
| Name | FIRST NATIONAL BANK OF WATERLOO |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 1521 RACHAEL LN, WATERLOO, IL 62298-5536 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000394356 |
|---|---|
| Date | Feb 15, 2018 |
| Instrument | 394356 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Monroe County assessment roll, as of August 29, 2025
| 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 | $108,740 (+25.74%) Land $16,790 Building $91,950 | $326,220 (+25.74%) Land $50,370 Building $275,850 | |
| 2024 | $5,713.00 | ||
| 2022 | Additional exemption filed | $86,480 Land $15,410 Building $71,070 | $259,440 Land $46,230 Building $213,210 |
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.
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 | Low lower than 99.1% of the US · lower than 94% of Illinois |
|---|---|
| Wildfire Likelihood | Under 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.
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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