104 N Centennial St, Cobden, IL 62920 Property Records

Union County property record for 104 N Centennial St, Cobden, IL 62920

Property Summary

Property Type	Single Family Home
Owner	Individual Name on File
Last Sale	$30,666 (Oct 2020)
Tax Bill	$892 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Apr 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-00-10-106-1`

Property Details

APN / Parcel Number

Primary APN	`14-00-10-106-1`
Alternative APN	`04-30-402-002`

Location & Zoning

Street Address	104 N CENTENNIAL ST
City	COBDEN
State	IL
Zip	62920-2307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 & N PT N 1/2 LOT 5 BLK C BUCK'S ADD.
Legal Subdivision	LK C BUCK'S ADD
Legal Block	C
Legal Lot Number	4,5
Jurisdiction	UNION IL
Township / Civil Division	COBDEN DISTRICT 2
Census Block Group	4
Census Block	4013
Census Tract	950100

Owner

104 N Centennial St is owned and occupied by an individual who bought it in October 2020.

Source: Union County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	104 N CENTENNIAL ST, COBDEN, IL 62920-2307
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK/ALTO PASS
Apr 17, 2023	Deed of Trust, Mortgage · Conventional Mortgage FARMERS STATE BANK OF ALTO PASS IL
Oct 8, 2020	Warranty Deed, Construction Loan · Construction Mortgage FARMERS STATE BANK OF ALTO PASS IL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 2020 · Amount on File
Deed Sale	Oct 8, 2020 · Amount on File
Deed Document Number	20201895
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION IL
Recording Date	Sep 8, 2026
Property Address	104 N CENTENNIAL ST, COBDEN, IL 62920-2307
Document Number	0000001397
Instrument Date	Sep 1, 2026
Instrument	20261397
Transaction Type	Mortgage
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 N CENTENNIAL ST, COBDEN, IL 62920-2307

Mortgage

Document Number	0000001397,
Date	Sep 8, 2026
Instrument	20261397

Lender

Name	FARMERS STATE BANK/ALTO PASS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate Type	Adjustable Rate
Rate	4.15%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION IL
Property Address	104 N CENTENNIAL ST, COBDEN, IL 62920-2307
Transaction Type	Mortgage
Record Updated	Jul 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 N CENTENNIAL ST, COBDEN, IL 62920-2307

Mortgage

Document Number	02023R0912
Date	Apr 17, 2023
Instrument	2023R0912

Lender

Name	FARMERS STATE BANK OF ALTO PASS IL
Type	Bank
Address	HARRISBURG, IL 62946

Agreement

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

Interest

Rate Type	Adjustable Rate
Type Change Date	May 1, 2026
Change Frequency	3 Years
Min Rate At Change	4.75%
Max Rate At Change	7.95%
Index	3-Year TN
Max Rate	11.9%

October 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	UNION IL
Recording Date	Oct 8, 2020
Property Address	104 N CENTENNIAL ST, COBDEN, IL 62920-2307
Document Number	02020R1895
Map Reference	MB 244 PG 197
Instrument Date	Oct 8, 2020
Instrument	2020R1895
Transaction Type	Construction Loan
Record Updated	Aug 5, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Tax	$46.00
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 N CENTENNIAL ST, COBDEN, IL 62920-2307

Mortgage

Document Number	02020R1896
Date	Oct 8, 2020
Instrument	2020R1896

Lender

Name	FARMERS STATE BANK OF ALTO PASS IL
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Oct 8, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 104 N Centennial St was $892 with a homeowner's exemption.

Source: Union County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Cobden Village
County	Union County
Unified School District	Cobden School Unit District 17 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$892.00	$21,710 Land $3,750 Building $17,960	$65,130 Land $11,250 Building $53,880
2022	$742.00 Homeowner's exemption	$17,471 Land $3,021 Building $14,450	$52,413 Land $9,063 Building $43,350

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 104 N Centennial St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 2, 2008

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 104 N Centennial St is low, with 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 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	COBDEN serves 1,267 people · EPA ID IL1810150
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	4 ppb (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	1 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 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Mediacom Xtream Cable	1,000 / 50
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

May also be available: BLIP Networks, ClearWave.

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