Monroe County property record for 1524 Rachael Ln, Waterloo, IL 62298
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,522 sqft · built 2012 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Oct 2020) |
| Tax Bill | $5,375 (2024) |
| Deeds & Mortgages | Nov 2020 Mortgage Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-12-334-033-000 |
| Primary APN | 07-12-334-033-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,522 sqft Living Area |
| 1st Floor Area | 1,522 sqft |
| Basement Area | 1,522 sqft |
| Unfinished Basement | 1,522 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Area | 400 sqft |
| Porch | Porch |
| Porch Area | 38 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|
| Street Address | 1524 RACHAEL LN |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-5588 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | WR2 |
| Legal Description | LOT 33 ROSE MEADOWS PHASE 2 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 12 |
| Legal Subdivision | ROSE MEADOWS |
| Legal Lot Number | 33 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 30 |
| Census Block Group | 2 |
| Census Block | 2053 |
| Census Tract | 600402 |
Source: Monroe County records · APN 07-12-334-033-000
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 | 1524 RACHAEL LN, WATERLOO, IL 62298-5588 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 18, 2020 | Deed of Trust, Mortgage FIRST NAT'L BK/WATERLOO |
| Oct 01, 2020 | Warranty Deed, Transfer · Conventional Mortgage TOWN & COUNTRY BANC MTG SVCS |
| Mar 30, 2020 | Deed of Trust, Construction Loan · Line of Credit FIRST NAT'L BK/WATERLOO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 01, 2020 · Amount on Record |
| Deed Sale | Oct 01, 2020 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 1524 RACHAEL LN, WATERLOO, IL 62298-5588 |
| Document Number | 0000413343 |
| Instrument Date | Nov 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 07, 2021 |
| Title Company | ACCENT TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1524 RACHAEL LN WATERLOO IL 622985588, WATERLOO, IL 62298-5588 |
| Document Number | 0000413343 |
|---|---|
| Date | Dec 13, 2020 |
| Instrument | 413343 |
| Name | FIRST NAT'L BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | COLUMBIA, IL 62236 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 12, 2050 |
| Rate | 2.5% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Oct 01, 2020 |
| Property Address | 1524 RACHAEL LN, WATERLOO, IL 62298-5588 |
| Document Number | 0000411435 |
| Instrument Date | Sep 30, 2020 |
| Instrument | 411435 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Title Company | ACCENT TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1524 RACHAEL LN, WATERLOO, IL 62298-5588 |
| Document Number | 0000411436 |
|---|---|
| Date | Oct 01, 2020 |
| Instrument | 411436 |
| Name | TOWN & COUNTRY BANC MTG SVCS |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Mar 30, 2020 |
| Property Address | 1524 RACHAEL LN, WATERLOO, IL 62298-5588 |
| Document Number | 0000406959 |
| Instrument Date | Mar 20, 2020 |
| Instrument | 406959 |
| Transaction Type | Construction Loan |
| Record Updated | Apr 21, 2020 |
| Title Company | ACCENT TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1524 RACHAEL LN WATERLOO IL 622985588, WATERLOO, IL 62298-5588 |
| Document Number | 0000406959 |
|---|---|
| Date | Mar 30, 2020 |
| Instrument | 406959 |
| Name | FIRST NAT'L BK/WATERLOO |
|---|---|
| Type | Bank |
| Address | COLUMBIA, IL 62236 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable 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 | $102,800 (+24.89%) Land $16,790 Building $86,010 | $308,400 (+24.89%) Land $50,370 Building $258,030 | |
| 2024 | $5,375.00 | ||
| 2022 | Additional exemption filed | $82,310 Land $15,410 Building $66,900 | $246,930 Land $46,230 Building $200,700 |
Source: FEMA National Flood Hazard Layer as of August 18, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| 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 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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| HTC Holding Fiber · DSL | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 123 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WATERLOO serves 10,190 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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