Coles County property record for 103 E Main St, Oakland, IL 61943
| Property Type | Commercial |
|---|---|
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Company Name on File |
| Tax Bill | $92 (2025) |
| Deeds & Mortgages | Dec 2017 Mortgage Apr 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-0-03073-000 |
| Primary APN | 03-0-03073-000 |
|---|
| Lot Area | 6,534 sqft (0.15 acres) |
|---|---|
| Lot Dimensions | 111 ft deep x 58 ft wide |
| Street Address | 103 E MAIN ST |
|---|---|
| City | OAKLAND |
| State | IL |
| Zip | 61943-7159 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | H. RUTHERFORD'S ADDITION LOT 04 BLOCK 04 |
| Legal Subdivision | H RUTHERFORD'S ADDITION |
| Legal Block | 4 |
| Legal Lot Number | 4 |
| Jurisdiction | COLES IL |
| Township / Civil Division | EAST OAKLAND |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 100 |
103 E Main St, a commercial property, is owned by a company.
Source: Coles County records, as of June 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2102 W PARK CT, CHAMPAIGN, IL 61821-2986 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Dec 21, 2017 | Deed of Trust, Mortgage · Commercial Mortgage HICKORY POINT BANK & TRUST FSB |
| Apr 5, 2019 | Deed of Trust, Mortgage · Conventional Mortgage HICKORY POINT BANK & TRUST FSB |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLES IL |
| Property Address | 103 E MAIN ST, OAKLAND, IL 61943-7159 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 201700773968 |
|---|---|
| Date | Dec 21, 2017 |
| Instrument | 201700773968 |
| Name | HICKORY POINT BANK & TRUST FSB |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COLES IL |
| Property Address | 103 E MAIN ST, OAKLAND, IL 61943-7159 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 201900781006 |
|---|---|
| Date | Apr 5, 2019 |
| Instrument | 201900781006 |
| Name | HICKORY POINT BANK & TRUST FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 103 E Main St was $92.
Source: Coles County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Coles County |
| County Subdivision | East Oakland Township |
| Municipality | Oakland City |
| Unified School District | Oakland Community Unit School District 5 (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $92.00 | $1,073 Land $1,073 | $3,219 Land $3,219 |
| 2023 | $1,073 Land $1,073 | $3,219 Land $3,219 | |
| 2020 | $109.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 E Main St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 18, 2011 · 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 risk around 103 E Main St is low, with less than a 0.01% annual chance of 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OAKLAND serves 739 people · EPA ID IL0290300 |
|---|---|
| Water Source | Purchased groundwater from EMBARRAS AREA WATER DISTRICT |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 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.
Source: FCC Broadband Data Collection, based on 184 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Watch TV.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures