Adams County property record for 105 N Franklin St, Payson, IL 62360
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.35 acres (15,197 sqft) |
| Owner | Individual Name on File |
| Last Sale | $89,900 (Jun 2019) |
| Tax Bill | $1,943 (2024) |
| Deeds & Mortgages | Oct 2022 Mortgage Feb 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 180047500000 |
| Primary APN | 180047500000 |
|---|
| Lot Area | 15,197 sqft (0.35 acres) |
|---|
| Street Address | 105 N FRANKLIN ST |
|---|---|
| City | PAYSON |
| State | IL |
| Zip | 62360-1042 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 67 ORIGINAL PAYSON -EX N 150FT- LOT 66 & N 1/2 LOT 67 |
| Legal Range | 7W |
| Legal Township | 3S |
| Legal Section | 7 |
| Legal Subdivision | VILLAGE OF PAYSON |
| Legal Lot Number | 67,66 |
| Jurisdiction | ADAMS IL |
| Township / Civil Division | PAYSON |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 10302 |
105 N Franklin St is owned and occupied by an individual who bought it in June 2019.
Source: Adams County records, as of May 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 105 N FRANKLIN ST, PAYSON, IL 62360-1042 |
| 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.
| Date | Document |
|---|---|
| Oct 17, 2022 | Deed of Trust, Mortgage HUD |
| Feb 27, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MERCANTILE BANK |
| Jun 12, 2019 | Warranty Deed, Transfer · FHA Mortgage DIAMOND RESIDENTIAL MTG CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 12, 2019 · Amount on File |
| Deed Sale | Jun 12, 2019 · Amount on File |
| Deed Document Number | 20193548 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAMS IL |
| Property Address | 105 N FRANKLIN ST, PAYSON, IL 62360-1042 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 2022R07355 |
|---|---|
| Date | Oct 17, 2022 |
| Instrument | 2022R-07355 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Amount | Amount on Record |
|---|---|
| Term | 480 Months |
| Due | Oct 1, 2062 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAMS IL |
| Property Address | 105 N FRANKLIN ST, PAYSON, IL 62360-1042 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2018R01379 |
|---|---|
| Date | Feb 27, 2018 |
| Instrument | 2018R-01379 |
| Name | MERCANTILE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Feb 26, 2043 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ADAMS IL |
| Recording Date | Jun 12, 2019 |
| Property Address | 105 N FRANKLIN ST, PAYSON, IL 62360-1042 |
| Document Number | 2019R03548 |
| Instrument Date | Jun 10, 2019 |
| Instrument | 2019R-03548 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $135.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 105 N FRANKLIN ST, PAYSON, IL 62360-1042 |
| Document Number | 2019R03549 |
|---|---|
| Date | Jun 12, 2019 |
| Instrument | 2019R-03549 |
| Name | DIAMOND RESIDENTIAL MTG CO |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
Source: Adams County assessment roll, as of May 4, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Adams County |
| County Subdivision | Payson Township |
| Municipality | Payson Village |
| Unified School District | Payson Community Unit School District 1 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $38,650 Land $8,580 Building $30,070 | $115,950 Land $25,740 Building $90,210 | |
| 2024 | $1,943.00 | ||
| 2022 | $31,670 Land $7,020 Building $24,650 | $95,010 Land $21,060 Building $73,950 | |
| 2021 | $1,764.00 |
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.
FEMA maps place 105 N Franklin St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 23, 2018
| 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.
The area around 105 N Franklin St 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PAYSON serves 1,386 people · EPA ID IL0010550 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 204 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Adams Telsystems Fiber | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 700 / 300 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Illinois Net Fixed Wireless | 100 / 20 |
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