1040 E Garfield Ave, Decatur, IL 62526 Property Records

Macon County property record for 1040 E Garfield Ave, Decatur, IL 62526

Property Summary

Property Type	Single Family Home
Details	1 ba · 884 sqft · built 1925
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on File
Last Sale	$25,500 (Oct 2022)
Tax Bill	$716 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Mar 2024 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-12-02-457-026`

Property Details

APN / Parcel Number

Primary APN	`04-12-02-457-026`
Alternative APN	`12-02-457-026`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	884 sqft Living Area
1st Floor Area	884 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Wood
Construction Type	Frame
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	40 ft deep x 125 ft wide
Porch	Slab
Porch Area	164 sqft

Location & Zoning

Account Number	041202457026
Street Address	1040 E GARFIELD AVE
City	DECATUR
State	IL
Zip	62526-4824
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNICIPAL
Legal Description	ELMHURST LOT 226 125X40
Legal Range	02E
Legal Township	16N
Legal Section	02
Legal Subdivision	ELMHURST
Legal Lot Number	226
Jurisdiction	MACON IL
Township / Civil Division	DECATUR
Census Block Group	2
Census Block	2006
Census Tract	2100

Owner

1040 E Garfield Ave is owned by an individual who bought it in October 2022.

Source: Macon County records, as of June 5, 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 File
Mailing Address	1010 TURNER CT, DECATUR, IL 62521-4367
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage DECATUR EARTHMOVERS CU
Mar 28, 2024	Quit Claim Deed, Transfer Quitclaim
Nov 7, 2022	Quit Claim Deed, Transfer Quitclaim
Oct 3, 2022	Warranty Deed, Transfer
Mar 17, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2022 · Amount on File
Deed Sale	Oct 3, 2022 · Amount on File
Prior Sale	Dec 10, 2013 · Amount on File
Deed Document Number	20222002619
Deed Book / Page	4920 / 1
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON IL
Property Address	1040 E GARFIELD AVE, DECATUR, IL 62526-4824
Transaction Type	Mortgage
Record Updated	Apr 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004815/718
Date	Apr 16, 2021
Book Page	4815/718
Instrument	1977284

Lender

Name	DECATUR EARTHMOVERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	48 Months
Due	Apr 15, 2025

Interest

Rate Type	Fixed Rate

March 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MACON IL
Recording Date	Mar 28, 2024
Property Address	1040 E GARFIELD AVE, DECATUR, IL 62526-4824
Document Number	005005/330
Book / Page	5005 / 330
Map Reference	BK 300 PG 75
Instrument Date	Mar 28, 2024
Instrument	2023858
Transaction Type	Transfer
Record Updated	Apr 10, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1010 TURNER CT, DECATUR, IL 62521-4367

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MACON IL
Recording Date	Nov 7, 2022
Property Address	1040 E GARFIELD AVE, DECATUR, IL 62526-4824
Document Number	0004926/15
Book / Page	4926 / 15
Map Reference	BK 300 PG 75
Instrument Date	Oct 28, 2022
Instrument	2004273
Transaction Type	Transfer
Record Updated	Apr 10, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1010 TURNER CT, DECATUR, IL 62521-4367

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON IL
Recording Date	Oct 3, 2022
Property Address	1040 E GARFIELD AVE, DECATUR, IL 62526-4824
Document Number	00004920/1
Book / Page	4920 / 1
Map Reference	BK 300 PG 75
Instrument Date	Sep 30, 2022
Instrument	2002619
Transaction Type	Transfer
Record Updated	Apr 10, 2024

Transaction

Amount	Amount on Record
Tax	$38.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1010 TURNER CT, DECATUR, IL 62521-4367

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON IL
Recording Date	Mar 17, 2017
Property Address	1040 E GARFIELD AVE, DECATUR, IL 62526-4824
Document Number	004551/650
Book / Page	4551 / 650
Map Reference	PL 300 PG 75
Instrument Date	Mar 31, 2014
Instrument	1916476
Transaction Type	Transfer
Record Updated	Apr 10, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 1040 E Garfield Ave was $716.

Source: Macon County assessment roll, as of June 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Macon County
County Subdivision	Decatur Township
Municipality	Decatur City
Unified School District	Decatur School District 61 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$716.00	$7,674 Land $469 Building $7,205	$23,024 Land $1,407 Building $21,617
2022	$671.00	$6,570 Land $390 Building $6,180	$19,712 Land $1,170 Building $18,542

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 1040 E Garfield Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 28, 2024

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

The area around 1040 E Garfield Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	DECATUR serves 76,122 people · EPA ID IL1150150
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 405 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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