Monroe County property record for 1528 Rachael Ln, Waterloo, IL 62298 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,716 sqft · built 2015 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on File |
| Last Sale | $270,600 (Jul 2020) |
| Tax Bill | $6,524 (2024) |
| Deeds & Mortgages | Jul 2020 Sale & Mortgage Oct 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-12-334-032-000 |
| Primary APN | 07-12-334-032-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,716 sqft Living Area |
| 1st Floor Area | 1,716 sqft |
| Basement Area | 1,716 sqft |
| Unfinished Basement | 1,716 sqft |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Area | 575 sqft |
| Porch | Porch |
| Porch Area | 48 sqft |
| Patio Area | 390 sqft |
| Cooling System | Central |
|---|
| Street Address | 1528 RACHAEL LN |
|---|---|
| City | WATERLOO |
| State | IL |
| Zip | 62298-5588 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 32 ROSE MEADOWS PHASE 2 |
| Legal Range | 10W |
| Legal Township | 02S |
| Legal Section | 12 |
| Legal Subdivision | ROSE MEADOWS |
| Legal Lot Number | 32 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 30 |
| Census Block Group | 2 |
| Census Block | 2053 |
| Census Tract | 600402 |
Source: Monroe County records · APN 07-12-334-032-000
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 | Individual Name on File |
|---|---|
| Mailing Address | 1528 RACHAEL LN, WATERLOO, IL 62298-5588 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 29, 2020 | Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK WATERLOO |
| Oct 29, 2019 | Deed of Trust, Mortgage · Conventional with PMI GOLDEN OAK LNDG |
| Aug 30, 2018 | Deed of Trust, Mortgage · FHA Mortgage GOLDEN OAK LNDG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 29, 2020 · Amount on Record |
| Deed Sale | Jul 29, 2020 · Amount on Record |
| Deed Document Number | 2020409813 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Jul 29, 2020 |
| Property Address | 1528 RACHAEL LN, WATERLOO, IL 62298-5588 |
| Document Number | 0000409813 |
| Instrument Date | Jul 28, 2020 |
| Instrument | 409813 |
| Transaction Type | Transfer |
| Record Updated | Apr 22, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $406.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1528 RACHAEL LN, WATERLOO, IL 62298-5588 |
| Document Number | 0000409814 |
|---|---|
| Date | Jul 29, 2020 |
| Instrument | 409814 |
| Name | FIRST NATIONAL BANK WATERLOO |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 1528 RACHAEL LN, WATERLOO, IL 62298-5588 |
| Document Number | 0000404663 |
| Instrument Date | Oct 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1528 RACHAEL LN WATERLOO IL 622985588, WATERLOO, IL 62298-5588 |
| Document Number | 0000404663 |
|---|---|
| Date | Nov 08, 2019 |
| Instrument | 404663 |
| Name | GOLDEN OAK LNDG |
|---|---|
| Address | SAINT LOUIS, MO 63146 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 07, 2049 |
| Rate | 4% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 1528 RACHAEL LN, WATERLOO, IL 62298-5588 |
| Document Number | 0000397759 |
| Instrument Date | Aug 30, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1528 RACHAEL LN WATERLOO IL 622985588, WATERLOO, IL 62298-5588 |
| Document Number | 0000397759 |
|---|---|
| Date | Sep 10, 2018 |
| Instrument | 397759 |
| Name | GOLDEN OAK LNDG |
|---|---|
| Address | SAINT LOUIS, MO 63146 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 09, 2048 |
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 | $123,690 (+26.41%) Land $16,790 Building $106,900 | $371,070 (+26.41%) Land $50,370 Building $320,700 | |
| 2024 | $6,524.00 | ||
| 2022 | Additional exemption filed | $97,850 Land $15,410 Building $82,440 | $293,550 Land $46,230 Building $247,320 |
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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