For sale

$389,000

Est. $2,798/mo —

•

3,144

sq ft

1307 Rachael Ln, Waterloo, IL 62298

About this home

Welcome to 1307 Rachael Lane, a beautifully appointed 4-bedroom, 3-bath home situated on a cul-de-sac and offering impressive living space on two finished levels. The bright, open main level features vaulted ceilings, skylights, rich wood flooring and walls of windows that fill the living, dining and kitchen areas with natural light. The kitchen offers white cabinetry, granite countertops, a spacious center island with seating, stainless steel appliances and a striking tile backsplash. The vaulted primary suite includes a private bath with a double vanity, corner tub and separate shower. Two additional bedrooms, a full hall bath and convenient main-level laundry complete this floor. The finished walkout lower level expands the possibilities with a generous recreation area, fireplace, built-in bar, fourth bedroom and third bath. French doors open to the poured patio and shaded backyard. A TV mount beneath the deck adds convenience for outdoor viewing. Enjoy the composite deck with vinyl railing or relax on the patio below. An attached 2-car garage and attractive brick-front exterior complete this move-in-ready Waterloo home.

Single-familyProperty Type

1999Year Built

0.29 acresLot Size

$124Price/Sq.Ft.

2 car garageParking

Listed by Brooke Mitchell • Keller Williams Pinnacle

Listing updated: Sep 20, 2026 at 12:31am

Redfin checked: 2 minutes ago

•Source:MARIS as Distributed by MLS Grid #26059348

Payment calculator

$2,798 per month

Principal and interest$2,123

Property taxes

$533

HOA dues

Home insurance

$143

Utilities

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Open houses

No upcoming open houses.

Nearby open houses (10)

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Around this home

Schools

K - 12
Preschool & daycare

W J Zahnow Elementary School

Public PreK-1 • Assigned • 1.8mi

Waterloo Junior High School

Public 6-8 • Assigned • 1.9mi

7/10

Waterloo High School

Public 9-12 • Assigned • 3.5mi

6/10

Provided by GreatSchools

Lifestyle

Provided by Walk Score and Local Logic

Offer insights

1307 Rachael Ln · $389,000

Strong offer

$396K and above

75% chance or better to win

Why $396K+ is a strong offer

DAYS ON MARKET

The average home goes pending in 43 days.

SALE-TO-LIST

Most homes are selling 2% below list price.

About offer insights

Property details

Interior
Exterior
Finance

Kitchen

Bathroom

Bedroom

Living

Dining

Interior features
Bar
Vaulted ceilings
Finished basement
Gas fireplace (1)

Bedrooms
4 bedrooms total
3 bedrooms on the main level
1 bedroom on the lower level

Bathrooms
3 full bathrooms total
2 full bathrooms on the main level
1 full bathroom on the lower level

Kitchen
Dishwasher
Microwave
Gas range
Refrigerator

Laundry & utility
Main level laundry

Flooring
Carpet
Vinyl
Wood

Heating & cooling
Forced air heating
Central air conditioning

Sale and tax history for 1307 Rachael Ln

Sale History
Tax History

Date

Event

Price

MARIS as Distributed by MLS Grid #26059348

Sep 19, 2026

Listed

$389,000

$124/sq ft

Sep 14, 2026

Coming Soon

$389,000

$124/sq ft

MARIS as Distributed by MLS Grid #4300293

Jun 30, 2014

Sold

Jan 10, 2014

Listed

$238,500

$76/sq ft

Military Friendly seller to helpwith closing costs--The house is in a great location on the North side of Waterloo. Home sits on a cul-de-sac. It is a1600 sq ft(3200 sq ft total finished) atrium ranch with awalkout. There are 3 bedrooms on the main floor. The basement is fully finished with a living room, 3/4 bath, bar and gas fireplace. There is also 2 bedrooms in the basement that each have walk-in closets. Outside, there is a vinyl deck on the upper level with stairs leading to a large patio.

Public Records

Oct 18, 1999

Sold

$163,280

$52/sq ft

Year

Property tax

Land + Additions

Assessment*

2025

$6,394 (+6.4%)

$16,840 + $93,700

$110,540

2024

$6,008 (+15.9%)

$16,840 + $93,700

$110,540

2023

$5,185 (+9.1%)

$16,454 + $91,046

$107,500

2022

$4,753

$15,240 + $73,300

$88,540

2021

$4,749 (+2.3%)

$15,450 + $65,130

$80,580

2020

$4,644 (+1.0%)

$13,050 + $65,870

$78,920

2019

$4,600 (+2.3%)

$13,050 + $62,430

$75,480

2018

$4,497 (+2.0%)

$13,050 + $60,950

$74,000

2017

$4,408 (+4.9%)

$10,110 + $60,390

$70,500

2016

$4,200 (+2.1%)

$9,390 + $59,440

$68,830

2015

$4,112 (+12.7%)

$9,390 + $59,440

$68,830

2014

$3,649 (+12.8%)

$10,910 + $57,070

$67,980

2013

$3,236

$10,910 + $45,760

$56,670

Public record

Public record
Zoning

Beds

Baths

Stories

Lot width

—

Lot depth

—

Lot size

0.29 Acres

Year renovated

1999

Finished Sq. Ft.

1,581

Unfinished Sq. Ft.

—

Total Sq. Ft.

1,581

Year built

1999

Style

Single Family Residential

County

Monroe County

APN

07-13-101-111-000

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Aug 26, 2026.

Single-Family Residence Districts

The Single-Family Residence Districts, as differentiated herein, and the district locations as depicted on the Zone District Map, reflect the wide variety of physical and social characteristics found in Waterloo, to the extent that the range of such conditions and characteristics can be divided into meaningful categories. It is the purpose of these regulations to encourage the creation and maintenance of stable and enduring residential areas by establishing limitations on the use and character of development so as to take advantage of, or to avoid conflict with, natural topography, existing development, arrangements and locations of existing or planned community facilities and social needs of the city.

Permitted uses

Include but are not limited to:

Housing-Single unit

Climate risks

1/10 Flood Factor

Minimal risk of a flood reaching the building in the next 30 years

1/10 Fire Factor

Unlikely to be in a wildfire in next 30 years

5/10 Heat Factor

7 days above 106° expected this year, 21 days in 30 years

2/10 Wind Factor

1% chance of strong winds in next 30 years

2/10 Air Factor

0 unhealthy days expected this year, 2 days in 30 years

Provided by First Street

Historical weather

Waterloo, IL • 62298

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

93/ 100

Exceptional sunlight

Sunscore

There appears to be minimal shading by surrounding buildings, terrain, and vegetation.

10.5 hrs

7.1 hrs

JuneDecember

Provided by Shadowmap

Redfin Estimate for 1307 Rachael Ln

We cannot show automated home-value estimates for this home.

Nearby homes have recently listed between $225,000 and $390,000.

Nearby comparable homes

The Redfin Estimate uses 6 recent nearby sales, priced between $225K to $390K.

SOLD JUL 23, 2026
$390,000 Last sold price
3 beds3 baths3,257 sq ft
1042 Illinois Ave, Waterloo, IL 62298
$4/sq ft
larger lot
3 years newer
SOLD JUL 31, 2026
$339,000 Last sold price
Studio— baths2,365 sq ft
603 N Market St, Waterloo, IL 62298
$19/sq ft
larger lot
3 years older
SOLD JUN 22, 2026
$365,000 Last sold price
2 beds2 baths1,961 sq ft
1517 New Brunswick Dr, Waterloo, IL 62298
$62/sq ft
larger lot
16 years newer
SOLD MAY 8, 2026
$345,000 Last sold price
3 beds3 baths2,873 sq ft
135 Westview Pl, Waterloo, IL 62298
$4/sq ft
2 years newer
unfinished basement
SOLD JUL 30, 2026
$364,900 Last sold price
5 beds3 baths1,997 sq ft
831 Victorian Ave, Waterloo, IL 62298
$59/sq ft
larger lot
9 years newer
SOLD MAY 29, 2026
$225,000 Last sold price
3 beds2.5 baths2,912 sq ft
11 Kevin St, Waterloo, IL 62298
$47/sq ft
13 years older
unfinished basement

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Make a winning offer with the help of a local agent

(314) 463-4524

Early Access listings

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1307 Rachael Ln, Waterloo, IL 62298

FOR SALE BY OWNER

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Details provided by MARIS as Distributed by MLS Grid and may not match the public record. Learn more.

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About this home

Payment calculator

Mortgage resources

See this home in person

Nearby open houses (10)

Around this home

Schools

Lifestyle

Offer insights

Property details

Sale and tax history for 1307 Rachael Ln

Public record

Climate risks

Historical weather

Sun exposure

Redfin Estimate for 1307 Rachael Ln

Early Access listings

Nearby similar homes

New listings for sale in 62298

More real estate resources