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1525 Rachael Ln, Waterloo, IL 62298 Property Records

Monroe County property record for 1525 Rachael Ln, Waterloo, IL 62298

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,638 sqft · built 2015
Lot Size0.28 acres (12,197 sqft)
Owner2 Individual Names on File
Last Sale$320,000 (Apr 2023)
Tax Bill$5,900 (2024)
Deeds & MortgagesApr 2023 Sale & Mortgage
Jul 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN07-12-334-030-000

Property Details

APN / Parcel Number

Primary APN07-12-334-030-000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area1,638 sqft Living Area
1st Floor Area1,638 sqft
Basement Area1,638 sqft
Unfinished Basement1,638 sqft

Exterior

Year BuiltBuilt 2015
Effective Year BuiltEffective 2015
Lot Area12,197 sqft (0.28 acres)
Garage Area546 sqft
PorchPorch
Porch Area102 sqft
Patio Area396 sqft

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address1525 RACHAEL LN
CityWATERLOO
StateIL
Zip62298-5536
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeWR2
Legal DescriptionLOT 30 ROSE MEADOWS PHASE 2
Legal Range10W
Legal Township02S
Legal Section12
Legal SubdivisionROSE MEADOWS
Legal Lot Number30
JurisdictionMONROE IL
Township / Civil Division30
Census Block Group2
Census Block2054
Census Tract600402

Owner

Source: Monroe County records · APN 07-12-334-030-000

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 Record2 Individual Names on File
Mailing Address6664 LAKE FOREST DR, WATERLOO, IL 62298-3051
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Apr 24, 2023Warranty Deed, Transfer · Conventional Mortgage
LIBERTY FCU
Jul 30, 2019Deed of Trust, Mortgage · Conventional Mortgage
FIRST NATIONAL BANK WATERLOO

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 24, 2023 · Amount on Record
Deed SaleApr 24, 2023 · Amount on Record
Deed Document Number2023428712
Record UpdatedSep 20, 2026

April 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE IL
Recording DateApr 24, 2023
Property Address1525 RACHAEL LN, WATERLOO, IL 62298-5536
Document Number0000428712
Map ReferenceDOC 301306
Instrument DateApr 24, 2023
Instrument428712
Transaction TypeTransfer
Record UpdatedMay 17, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$480.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1525 RACHAEL LN, WATERLOO, IL 62298-5536

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1525 RACHAEL LN, WATERLOO, IL 62298-5536

Mortgage

Document Number0000428713
DateApr 24, 2023
Instrument428713
Lender
NameLIBERTY FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2053
Interest
Rate TypeFixed Rate
Rate5.88%

July 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE IL
Property Address1525 RACHAEL LN, WATERLOO, IL 62298-5536
Transaction TypeMortgage
Record UpdatedJul 26, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000402757
DateJul 30, 2019
Instrument402757
Lender
NameFIRST NATIONAL BANK WATERLOO
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: Monroe County records · Assessment roll updated August 29, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyMonroe County
MunicipalityWaterloo City
Unified School DistrictWaterloo Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$112,280 (+26.29%) Land $16,790 Building $95,490$336,840 (+26.29%) Land $50,370 Building $286,470
2024$5,900.00
2022Homeowner's exemption Disabled Person's exemption Additional exemption filed$88,910 Land $15,410 Building $73,500$266,730 Land $46,230 Building $220,500

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims263 (1993–2019)
Most Recent ClaimJun 2019 · Severe Storms And Flooding
Claims by Event
  • Severe Storms And Flooding, Jun 2019 · 9 claims
  • Severe Storms & Flooding, Oct 1993 · 252 claims

Wildfire

Wildfire RiskLow
lower than 99.1% of the US · lower than 94% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax 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.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemWATERLOO
serves 10,190 people
Water SourceGroundwater
Last State InspectionDec 2025
Lead1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting30
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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