103 Emerald Way E, Granite City, IL 62040 Property Records

Madison County property record for 103 Emerald Way E, Granite City, IL 62040

Property Summary

Property Type	Single Family Home
Details	1 bd · 3 ba · 1,240 sqft · built 2005
Lot Size	0.328 acres (14,289 sqft)
Owner	Individual Name on Record
Last Sale	$289,000 (Jul 2022)
Tax Bill	$2,681 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Feb 2021 Mortgage + 1 more
APN	`17-2-20-15-02-201-004`

Property Details

APN / Parcel Number

Primary APN	`17-2-20-15-02-201-004`

Interior

Bedrooms	1 Bed
Full Baths	3 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	1 Room
Stories	2 Stories
Building Area	1,240 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	14,289 sqft (0.328 acres)
Lot Dimensions	168 ft deep x 85 ft wide
Garage Type	Attached
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	103 EMERALD WAY E
City	GRANITE CITY
State	IL
Zip	62040-6636
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EMERALD MEADOWS PLAT 1 LOT 4 85 X 168.11 IRREGULAR
Legal Subdivision	EMERALD MEADOWS PLAT 1
Legal Lot Number	4
Jurisdiction	MADISON IL
Township / Civil Division	NAMEOKI
Census Block Group	3
Census Block	3006
Census Tract	400903

Owner

Source: Madison County records, as of June 30, 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	Individual Name on Record
Mailing Address	103 EMERALD WAY E, GRANITE CITY, IL 62040-6636
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 10, 2021	Deed of Trust, Mortgage · VA Mortgage AMERICAN PORTFOLIO MTG CORP
Mar 2, 2018	Deed, Transfer · VA Mortgage GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2022 · Amount on Record
Deed Sale	Jul 19, 2022 · Amount on Record
Prior Sale	Mar 2, 2018 · Amount on Record
Deed Document Number	202224077
Prior Transfer Date	Mar 6, 2014
Prior Transfer Doc	0000007355
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Jul 19, 2022
Property Address	103 EMERALD WAY E, GRANITE CITY, IL 62040-6636
Document Number	0000024077
Map Reference	PC 60 PG 191
Instrument Date	Jul 12, 2022
Instrument	2022R24077
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$433.50
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	Joint Tenants
Address	103 EMERALD WAY E, GRANITE CITY, IL 62040-6636

Mortgage

Document Number	0000024078
Date	Jul 19, 2022
Instrument	2022R24078

Lender

Name	MORTGAGE RESEARCH CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate	5.5%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	103 EMERALD WAY E, GRANITE CITY, IL 62040-6636
Transaction Type	Mortgage
Record Updated	Mar 10, 2021
Title Company	ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006089
Date	Feb 10, 2021
Instrument	2021R06089

Lender

Name	AMERICAN PORTFOLIO MTG CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2041

Interest

Rate Type	Fixed Rate

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON IL
Recording Date	Mar 2, 2018
Property Address	103 EMERALD WAY E, GRANITE CITY, IL 62040-6636
Document Number	0000006426
Map Reference	PC60 PG191
Instrument Date	Feb 28, 2018
Instrument	2018R06426
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$290.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16253 SWINGLEY RIDGE RD, CHESTERFIELD, MO 63017-1711

Mortgage

Document Number	0000006427
Date	Mar 2, 2018
Instrument	2018R06427

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Madison County assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Madison County
County Subdivision	Nameoki Township
Municipality	Pontoon Beach Village
Unified School District	Granite City Community Unit School District 9 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,681.00	$120,670 (+51.79%) Land $16,190 Building $104,480	$362,010 (+51.63%) Land $48,570 Building $313,440
2024	$2,681.00
2022	$2,681.00	$79,500 Land $11,940 Building $67,560	$238,739 Land $35,856 Building $202,883

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

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	23 (1979–2022)
Claims Outside the SFHA	6 of 23
Most Recent Claim	Jul 2022 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 1995 · 3 claims Severe Storms & Flooding, Aug 1993 · 2 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 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	PONTOON BEACH PWD serves 3,325 people · EPA ID IL1195300
Water Source	Purchased surface water from IL AMERICAN-GRANITE CITY
Last State Inspection	Jul 2023
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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