104 E Locust St, Galatia, IL 62935 Property Records

Saline County property record for 104 E Locust St, Galatia, IL 62935

Property Summary

Property Type	Single Family Home
Lot Size	0.669 acres (29,185 sqft)
Owner	Individual Name on File
Last Sale	$109,000 (Mar 2023)
Tax Bill	$2,249 (2024)
Deeds & Mortgages	Dec 2025 Mortgage Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-1-052-03`

Property Details

APN / Parcel Number

Primary APN	`05-1-052-03`

Exterior

Lot Area	29,185 sqft (0.669 acres)
Lot Dimensions	180 ft deep x 30 ft wide

Location & Zoning

Street Address	104 E LOCUST ST
City	GALATIA
State	IL
Zip	62935-1028
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GA,S12,T08,R05 ,QNW,L ,B W PT SE PT W1/2 NW1/4 G AND 30X180 2240/531 3/23 W/D 04-12-100-019-0040
Jurisdiction	SALINE IL
Township / Civil Division	GALATIA
Census Block Group	1
Census Block	1017
Census Tract	955700

Owner

104 E Locust St is owned and occupied by an individual who bought it in March 2023.

Source: Saline County records, as of November 14, 2025

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 File
Mailing Address	PO BOX 21948, EAGAN, MN 55121-0948
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2025	Deed of Trust, Mortgage · FHA Mortgage FIRSTTRUST HOME LOANS INC
Mar 20, 2023	Warranty Deed, Transfer · Conventional Mortgage PEOPLES NATIONAL BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2023 · Amount on File
Deed Sale	Mar 20, 2023 · Amount on File
Deed Document Number	283188
Deed Book / Page	2240 / 531
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SALINE IL
Property Address	104 E LOCUST ST, GALATIA, IL 62935-1028
Transaction Type	Mortgage
Record Updated	Jan 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14103 STATE HIGHWAY 149, WEST FRANKFORT, IL 62896-4418

Mortgage

Document Number	0002283/19
Date	Dec 23, 2025
Book Page	2283/19
Instrument	291399

Lender

Name	FIRSTTRUST HOME LOANS INC
Type	Mortgage Company
Address	SHERIDAN, AR 72150

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.12%

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SALINE IL
Recording Date	Mar 20, 2023
Property Address	104 E LOCUST ST, GALATIA, IL 62935-1028
Document Number	002240/531
Book / Page	2240 / 531
Instrument Date	Mar 20, 2023
Instrument	283188
Transaction Type	Transfer
Record Updated	Nov 17, 2025
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$109.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 E LOCUST ST, GALATIA, IL 62935-1028

Mortgage

Document Number	0000283189
Date	Mar 20, 2023
Instrument	283189

Lender

Name	PEOPLES NATIONAL BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Mortgage

Document Number	002240/554
Date	Mar 20, 2023
Book Page	2240/554
Instrument	283190

Lender

Name	PEOPLES NATIONAL BANK NA
Type	Bank
Address	MOUNT VERNON, IL 62864

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	61 Months
Due	Apr 1, 2028

Tax Assessment & Valuation

Source: Saline County assessment roll, as of January 1, 2024

Property Jurisdictions

Type	Name
State	Illinois
County	Saline County
County Subdivision	Galatia Township
Municipality	Galatia Village
Unified School District	Galatia Community Unit School District 1 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$2,249.00 Homeowner's exemption	$36,297 Land $1,418 Building $34,879	$108,891 Land $4,254 Building $104,637
2022		$24,245 (+1%) Land $1,140 Building $23,105	$72,735 (+1%) Land $3,420 Building $69,315
2021	$733.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$22,041 Land $1,036 Building $21,005	$66,123 Land $3,108 Building $63,015

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

FEMA maps place 104 E Locust St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 2, 2014 · 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 500 ft
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

Wildfire risk around 104 E Locust St is low, with a 0.02% annual chance of 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	0.02% 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	GALATIA serves 887 people · EPA ID IL1650150
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	21 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 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Futiva Fiber	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
4 SIWI Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: ClearWave.

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