Jersey County property record for 108 Mill St, Elsah, IL 62028
| Property Type | Single Family Home |
|---|---|
| Details | 848 sqft · built 1935 |
| Lot Size | 0.156 acres (6,800 sqft) |
| Owner | Individual Name on File |
| Last Sale | $233,000 (Jul 2023) |
| Tax Bill | $4,084 (2025) |
| Deeds & Mortgages | Jul 2023 Sale Aug 2020 Refinance + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 01-420-009-00 |
| Primary APN | 01-420-009-00 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 848 sqft Total Area |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1935 |
| Lot Area | 6,800 sqft (0.156 acres) |
| Lot Dimensions | 68 ft deep x 100 ft wide |
| Account Number | 420-009-00 |
|---|---|
| Street Address | 108 MILL ST |
| City | ELSAH |
| State | IL |
| Zip | 62028 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ORIGINAL TOWN OF ELSAH LOTS 9 & 10 BLK 20 9-15 95K, 5-19 107.5K, 3-15 101K, 8-04 82.5K, 1-02 45K, 4-75 4.25K 1935 1STY/CRAWL |
| Legal Subdivision | VILLAGE OF ELSAH |
| Legal Block | 20 |
| Legal Lot Number | 9,10 |
| Jurisdiction | JERSEY IL |
| Township / Civil Division | ELSAH |
| Census Block Group | 3 |
| Census Block | 3034 |
| Census Tract | 10300 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Elsah Historic District listed 1973 · 48 contributing resources · NRIS 73000706 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
108 Mill St is owned and occupied by an individual who bought it in July 2023.
Source: Jersey County records, as of September 14, 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 | 108 MILL ST, ELSAH, IL 62028 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 3, 2023 | Warranty Deed, Transfer |
| Aug 3, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance FARMERS NATIONAL BANK |
| Sep 28, 2020 | Warranty Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA |
| Jun 7, 2019 | Warranty Deed, Transfer COMMUNITY TITLE AND ESCROW, COMMUNITY TITLE & ESCROW |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 3, 2023 · Amount on File |
| Deed Sale | Jul 3, 2023 · Amount on File |
| Prior Sale | Sep 28, 2020 · Amount on File |
| Deed Document Number | 2023171476 |
| Prior Transfer Date | Mar 13, 2015 |
| Prior Transfer Doc | 1940/143 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JERSEY IL |
| Recording Date | Jul 3, 2023 |
| Property Address | 108 MILL ST, ELSAH, IL 62028 |
| Document Number | 202300171476 |
| Instrument Date | Jun 29, 2023 |
| Instrument | 202300171476 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1534 2ND ST N, SAINT PETERSBURG, FL 33704-4404 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JERSEY IL |
| Property Address | 108 MILL ST, ELSAH, IL 62028 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERENITY TITLE AND ESCROW LIMITED, SERENITY TITLE & ESCROW LTD |
| Name | Verified Name |
|---|
| Document Number | 202000160659 |
|---|---|
| Date | Aug 3, 2020 |
| Instrument | 202000160659 |
| Name | FARMERS NATIONAL BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JERSEY IL |
| Recording Date | Sep 28, 2020 |
| Property Address | 108 MILL ST, ELSAH, IL 62028 |
| Document Number | 202000161446 |
| Instrument Date | Sep 15, 2020 |
| Instrument | 202000161446 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2022 |
| Title Company | SERENITY TITLE & ESCROW LTD |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 202000161447 |
|---|---|
| Date | Sep 28, 2020 |
| Instrument | 202000161447 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JERSEY IL |
| Recording Date | Jun 7, 2019 |
| Property Address | 108 MILL ST, ELSAH, IL 62028 |
| Document Number | 201900156248 |
| Instrument Date | May 31, 2019 |
| Instrument | 201900156248 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2022 |
| Title Company | COMMUNITY TITLE AND ESCROW, COMMUNITY TITLE & ESCROW |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 104 4TH ST S, CORDOVA, IL 61242-9672 |
The 2025 property tax bill for 108 Mill St was $4,084 with a homeowner's exemption, up 7.2% from the year before.
Source: Jersey County assessment roll, as of September 14, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Jersey County |
| County Subdivision | Elsah Township |
| Municipality | Elsah Village |
| Unified School District | Jersey Community Unit School District 100 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,084.00 (+7.19%) Homeowner's exemption Senior Citizen's exemption | $68,995 (+1.5%) Land $12,905 Building $56,090 | $206,985 (+1.5%) Land $38,715 Building $168,270 |
| 2024 | $3,810.00 | $67,975 Land $12,715 Building $55,260 | $203,925 Land $38,145 Building $165,780 |
| 2022 | $2,980.00 | $40,675 Land $10,805 Building $29,870 | $122,025 Land $32,415 Building $89,610 |
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 108 Mill St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective April 2, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 16 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 229 (1979–2024) |
| Claims Outside the SFHA | 12 of 229 |
| Most Recent Claim | Jul 2024 · rainfall accumulation |
| Claims by Event |
|
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 risk around 108 Mill 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | IL AMERICAN-ALTON private · serves 46,127 people · EPA ID IL1195150 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2024 |
| Lead | 3 ppb (2026–2028) 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.
Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Grafton Technologies Fiber | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless · Fiber in parts of the area | 400 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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