10 Spring Terrace Ct, Columbia, IL 62236 Property Records

Monroe County property record for 10 Spring Terrace Ct, Columbia, IL 62236

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,435 sqft · built 1994
Lot Size	0.45 acres (19,604 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Sep 2026)
Tax Bill	$5,699 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jan 2018 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`04-15-349-042-000`

Property Details

APN / Parcel Number

Primary APN	`04-15-349-042-000`
Alternative APN	`04151410104200 00`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	1,435 sqft Living Area
1st Floor Area	1,435 sqft
Basement Area	1,435 sqft
Unfinished Basement	1,435 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Frame
Lot Area	19,604 sqft (0.45 acres)
Garage Area	506 sqft
Driveway	Concrete Driveway
Driveway Area	1,216 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	10 SPRING TERRACE CT
City	COLUMBIA
State	IL
Zip	62236-2048
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR5
Legal Description	LOT 42 HERITAGE HEIGHTS
Legal Range	10W
Legal Township	01S
Legal Section	15
Legal Subdivision	HERITAGE HEIGHTS
Legal Lot Number	42
Jurisdiction	MONROE IL
Township / Civil Division	36
Census Block Group	2
Census Block	2010
Census Tract	600103

Owner

Source: Monroe County records, as of October 13, 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 Record
Mailing Address	10 SPRING TERRACE CT, COLUMBIA, IL 62236-2048
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Jan 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Aug 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Jan 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK WATERLOO
Dec 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES NATIONAL BANK
Jul 1, 2019	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2026 · Amount on Record
Deed Sale	Sep 21, 2026 · Amount on Record
Prior Sale	Jul 1, 2019 · Amount on Record
Deed Document Number	2026444478
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Sep 21, 2026
Property Address	10 SPRING TERRACE CT, COLUMBIA, IL 62236-2048
Document Number	0000444478
Instrument Date	Sep 16, 2026
Instrument	2026444478
Transaction Type	Transfer
Record Updated	Oct 6, 2026
Title Company	BENCHMARK TITLE COMPANY, BENCHMARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49,995.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10 SPRING TERRACE CT, COLUMBIA, IL 62236-2048

Mortgage

Document Number	0000444479,
Date	Sep 21, 2026
Instrument	2026444479

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Rate	7.13%
Initial Type	Fixed Rate
Max Rate	-1%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	10 SPRING TERRACE CT, COLUMBIA, IL 62236-2048
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000394119
Date	Jan 31, 2018
Instrument	394119

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

Interest

Rate Type	Fixed Rate

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	10 SPRING TERRACE CT, COLUMBIA, IL 62236-2048
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000397409
Date	Aug 15, 2018
Instrument	397409

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	10 SPRING TERRACE CT, COLUMBIA, IL 62236-2048
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000399632
Date	Jan 22, 2019
Instrument	399632

Lender

Name	FIRST NATIONAL BANK WATERLOO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	10 SPRING TERRACE CT, COLUMBIA, IL 62236-2048
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000413391
Date	Dec 15, 2020
Instrument	413391

Lender

Name	PEOPLES NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jul 1, 2019
Property Address	10 SPRING TERRACE CT, COLUMBIA, IL 62236-2048
Document Number	0000402210
Instrument Date	Jun 28, 2019
Instrument	402210
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	BENCHMARK TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	10 SPRING TERRACE CT, COLUMBIA, IL 62236-2048

Mortgage

Document Number	0000402211
Date	Jul 1, 2019
Instrument	402211

Lender

Name	US BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	4.13%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Municipality	Columbia City
Unified School District	Columbia Community Unit School District 4 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,699.00 (+2.52%) Homeowner's exemption	$103,920 (+31.83%) Land $20,700 Building $83,220	$311,760 (+31.83%) Land $62,100 Building $249,660
2024	$5,559.00
2022	Additional exemption filed	$78,830 Land $17,510 Building $61,320	$236,490 Land $52,530 Building $183,960

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.

Flood

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

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.

Wildfire

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	COLUMBIA serves 11,129 people · EPA ID IL1330050
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 299 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Harrisonville Telephone Company DSL	100 / 20

May also be available: AT&T, Verizon, Wisper ISP.

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