101 Mill St, Elsah, IL 62028 Property Records

Jersey County property record for 101 Mill St, Elsah, IL 62028

Property Summary

Property Type	Single Family Home
Details	1,432 sqft · built 1910
Lot Size	0.072 acres (3,150 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Apr 2022)
Tax Bill	$4,755 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-419-004-00`

Property Details

APN / Parcel Number

Primary APN	`01-419-004-00`
Alternative APN	`419-004-00`

Interior

Stories	2 Stories
Building Area	1,432 sqft Total Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Lot Area	3,150 sqft (0.072 acres)
Lot Dimensions	63 ft deep x 50 ft wide

Location & Zoning

Account Number	419-004-00
Street Address	101 MILL ST
City	ELSAH
State	IL
Zip	62028
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL TOWN OF ELSAH LOTS 4, 5, 6 & 1/2 VACATED ALLEY BLK 19 3-19 189K, 11-16 134.9K, 9-05 130K, 12-97 58K 1910 1&2STY/PT B
Legal Subdivision	VILLAGE OF ELSAH
Legal Block	19
Legal Lot Number	1,4-6
Jurisdiction	JERSEY IL
Township / Civil Division	ELSAH
Census Block Group	1
Census Block	1022
Census Tract	10300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Elsah Historic District listed 1973 · 48 contributing resources · NRIS 73000706

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Jersey County records, as of August 18, 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 Record
Mailing Address	101 MILL ST, ELSAH, IL 62028
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage SCOTT CREDIT UNION
Apr 9, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 26, 2022 · Amount on Record
Deed Sale	Apr 26, 2022 · Amount on Record
Prior Sale	Apr 9, 2019 · Amount on Record
Deed Document Number	2022167905
Record Updated	Sep 20, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JERSEY IL
Recording Date	Apr 26, 2022
Property Address	101 MILL ST, ELSAH, IL 62028
Document Number	202200167905
Instrument Date	Apr 14, 2022
Instrument	202200167905
Transaction Type	Transfer
Record Updated	May 18, 2022
Title Company	SERENITY TITLE AND ESCROW LLC, SERENITY TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Investor	Possibly a Property Investor

Mortgage

Document Number	202200167906
Date	Apr 26, 2022
Instrument	202200167906

Lender

Name	SCOTT CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JERSEY IL
Recording Date	Apr 9, 2019
Property Address	101 MILL ST, ELSAH, IL 62028
Document Number	201900155730
Instrument Date	Mar 29, 2019
Instrument	201900155730
Transaction Type	Transfer
Record Updated	Jul 5, 2022
Title Company	SERENITY TITLE & ESCROW LTD

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 MORAY CT, CHARLOTTE, NC 28211-4300

Mortgage

Document Number	201900155731
Date	Apr 9, 2019
Instrument	201900155731

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.38%
Type Change Date	Apr 1, 2024
Max Rate At Change	2.25%

Mortgage

Document Number	201900155730
Date	Apr 9, 2019
Instrument	201900155730

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.38%
Type Change Date	Apr 1, 2024
Index	Other

Tax Assessment & Valuation

Source: Jersey County assessment roll, as of June 22, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Jersey County
County Subdivision	Elsah Township
Municipality	Elsah Village
Unified School District	Jersey Community Unit School District 100 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,755.00 (-1.45%)	$84,675 (+52.65%) Land $15,550 Building $69,125	$254,025 (+52.65%) Land $46,650 Building $207,375
2024	$4,825.00 (+33.14%)
2022	$3,624.00 Homeowner's exemption	$55,470 Land $13,015 Building $42,455	$166,410 Land $39,045 Building $127,365

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 April 2, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	53 (1979–2024)
Claims Outside the SFHA	12 of 53
Most Recent Claim	Jul 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jun 2019 · 11 claims Severe Storms & Flooding, Aug 1993 · 16 claims

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 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	IL AMERICAN-ALTON private · serves 46,127 people · EPA ID IL1195150
Water Source	Surface water
Last State Inspection	Jan 2024
Lead	3 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

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

Internet Providers

Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Grafton Technologies Fiber	1,000 / 1,000
Wisper ISP Fixed Wireless · Fiber in parts of the area	400 / 30
T-Mobile Fixed Wireless	100 / 20

101 Mill St, Elsah, IL 62028 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Location & Zoning

Historic Designation

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Mill St

Nearby Streets

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