104 N Seminary St, Downs, IL 61736 Property Records

McLean County property record for 104 N Seminary St, Downs, IL 61736

Property Summary

Property Type	Single Family Home
Details	1 ba · 925 sqft · built 1962
Lot Size	0.16 acres (6,969 sqft)
Owner	Individual Name on Record
Tax Bill	$3,666 (2024)
Deeds & Mortgages	Jul 2022 Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-04-129-022`

Property Details

APN / Parcel Number

Primary APN	`29-04-129-022`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	925 sqft Living Area
1st Floor Area	925 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	6,969 sqft (0.16 acres)
Deck Area	243 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	104 N SEMINARY ST
City	DOWNS
State	IL
Zip	61736-7584
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIG TOWN OF DOWNS LOT 9 BLK 3
Legal Range	03E
Legal Township	22N
Legal Section	04
Legal Subdivision	ORIG TOWN OF DOWNS
Legal Block	3
Legal Lot Number	9
Jurisdiction	MCLEAN IL
Township / Civil Division	DOWNS
Census Block Group	3
Census Block	3030
Census Tract	5401

Owner

Source: McLean County records, as of July 20, 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	104 N SEMINARY ST, DOWNS, IL 61736-7584
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 18, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	104 N SEMINARY ST, DOWNS, IL 61736-7584
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 N SEMINARY ST, DOWNS, IL 61736-7584

Mortgage

Document Number	202200013244
Date	Jul 27, 2022
Instrument	2022-00013244

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2052

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Nov 18, 2020
Property Address	104 N SEMINARY ST, DOWNS, IL 61736-7584
Document Number	202000024999
Instrument Date	Oct 30, 2020
Instrument	2020-00024999
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	NOT AVAILABLE, FTC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
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 SEMINARY ST, DOWNS, IL 61736-7584

Mortgage

Document Number	202000025000
Date	Nov 18, 2020
Instrument	2020-00025000

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

Interest

Index	11th District COF

Tax Assessment & Valuation

Source: McLean County assessment roll, as of April 8, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	McLean County
County Subdivision	Downs Township
Municipality	Downs Village
Unified School District	Tri-Valley Community Unit School District 3 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$50,775 (+20.26%) Land $6,890 Building $43,885	$152,325 (+20.26%) Land $20,670 Building $131,655
2024	$3,666.00 (+14.78%)
2023	$3,194.00	$42,220 Land $5,729 Building $36,491	$126,660 Land $17,187 Building $109,473

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 27, 2019 · 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
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2026 · river or lake flooding

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	DOWNS serves 1,201 people · EPA ID IL1130500
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2026) action level 15 ppb
Copper	1.4 mg/L (2025) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control currently in violation since Jan 2026
Monitoring and Reporting	2 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 228 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pavlov Media Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Watch TV Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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