104 Thomas Dr, Cobden, IL 62920 Property Records

Union County property record for 104 Thomas Dr, Cobden, IL 62920

Property Summary

Property Type	Single Family Home
Lot Size	0.392 acres (17,111 sqft)
Owner	2 Individual Names on Record
Last Sale	$139,000 (May 2023)
Tax Bill	$2,126 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-00-10-322-M`

Property Details

APN / Parcel Number

Primary APN	`14-00-10-322-M`
Alternative APN	`04-30-330-003`

Exterior

Lot Area	17,111 sqft (0.392 acres)

Location & Zoning

Street Address	104 THOMAS DR
City	COBDEN
State	IL
Zip	62920-2315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13 MAPLE VALLEY ESTATES.
Legal Subdivision	MAPLE VALLEY ESTATES
Legal Lot Number	13
Jurisdiction	UNION IL
Township / Civil Division	COBDEN DISTRICT 2
Census Block Group	4
Census Block	4010
Census Tract	950100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	104 THOMAS DR, COBDEN, IL 62920-2315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2023	Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH HOME LOANS INC
Apr 7, 2021	Executor's Deed, Transfer · Conventional Mortgage ANNA-JONESBORO NATIONAL BANK
Nov 19, 2018	Quit Claim Deed, Transfer · Conventional Mortgage FARMERS STATE BANK OF ALTO PASS IL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2023 · Amount on Record
Deed Sale	May 16, 2023 · Amount on Record
Prior Sale	Dec 29, 2010
Deed Document Number	20231280
Prior Transfer Date	Nov 6, 2018
Prior Transfer Doc	2018R2176
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION IL
Recording Date	May 16, 2023
Property Address	104 THOMAS DR, COBDEN, IL 62920-2315
Document Number	02023R1280
Map Reference	MB 6 PG 146
Instrument Date	May 16, 2023
Instrument	2023R1280
Transaction Type	Transfer
Record Updated	Jun 2, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$139.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	104 THOMAS DR, COBDEN, IL 62920-2315

Mortgage

Document Number	02023R1281
Date	May 16, 2023
Instrument	2023R1281

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.25%

April 2021: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	UNION IL
Recording Date	Apr 7, 2021
Property Address	104 THOMAS DR, COBDEN, IL 62920-2315
Document Number	02021R0770
Map Reference	MB 6 PG 146
Instrument Date	Mar 26, 2021
Instrument	2021R0770
Transaction Type	Transfer
Record Updated	Jan 25, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$113.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	215 APPLE LN, 215, ANNA, IL 62906-1115

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02021R0771
Date	Apr 7, 2021
Instrument	2021R0771

Lender

Name	ANNA-JONESBORO NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Apr 5, 2046

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	5-Year CMT
Max Rate	9.75%

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	UNION IL
Recording Date	Nov 19, 2018
Property Address	104 THOMAS DR, COBDEN, IL 62920-2315
Document Number	2018R2176
Map Reference	MB 6 PG 146
Instrument Date	Nov 6, 2018
Instrument	2018R2176
Transaction Type	Transfer
Record Updated	Jul 23, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 THOMAS DR, COBDEN, IL 62920-2315

Mortgage

Document Number	2018R2177
Date	Nov 19, 2018
Instrument	2018R2177

Lender

Name	FARMERS STATE BANK OF ALTO PASS IL
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2038

Interest

Rate	5.25%

Tax Assessment & Valuation

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	$2,126.00 (+2.16%) Homeowner's exemption	$43,430 (+6.55%) Land $4,480 Building $38,950	$130,290 (+6.55%) Land $13,440 Building $116,850
2024	$2,081.00 (+11.11%)	$40,760 (+16.65%) Land $4,200 Building $36,560	$122,280 (+16.65%) Land $12,600 Building $109,680
2022	$1,873.00 Homeowner's exemption	$34,941 Land $3,601 Building $31,340	$104,823 Land $10,803 Building $94,020

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, 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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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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