108 N 3rd St, Cambridge, IL 61238 Property Records

Henry County property record for 108 N 3rd St, Cambridge, IL 61238

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,713 sqft · built 1954
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on File
Last Sale	$93,500 (Sep 2022)
Tax Bill	$2,333 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-07-155-006`

Property Details

APN / Parcel Number

Primary APN	`18-07-155-006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,713 sqft Living Area
1st Floor Area	1,713 sqft
Basement Area	1,713 sqft
Unfinished Basement	1,713 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Construction Type	Frame
Lot Area	22,216 sqft (0.51 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Street Address	108 N 3RD ST
City	CAMBRIDGE
State	IL
Zip	61238-1237
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LTS 4 & 5 PILLSBURY ADD VILLAGE OF CAMBRIDGE
Legal Subdivision	PILLSBURY ADD
Legal Block	155
Legal Lot Number	4,5
Jurisdiction	HENRY IL
Township / Civil Division	CAMBRIDGE
Census Block Group	3
Census Block	3018
Census Tract	30202

Owner

108 N 3rd St is owned and occupied by an individual who bought it in September 2022.

Source: Henry County records, as of June 19, 2026

Owner of Record	Individual Name on File
Mailing Address	108 N 3RD ST, CAMBRIDGE, IL 61238-1237
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2017	Deed of Trust, Mortgage · Commercial Mortgage FARMERS & MECHANICS BANK
Sep 28, 2022	Warranty Deed, Transfer · FHA Mortgage BNC NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2022 · Amount on File
Deed Sale	Sep 28, 2022 · Amount on File
Prior Sale	Nov 13, 2008 · Amount on File
Deed Document Number	20225723
Record Updated	Sep 20, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENRY IL
Property Address	108 N 3RD ST, CAMBRIDGE, IL 61238-1237
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003806
Date	Jun 30, 2017
Instrument	20-1703806

Lender

Name	FARMERS & MECHANICS BANK
Type	Bank
Address	GALESBURG, IL 61401

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate	4.85%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENRY IL
Recording Date	Sep 28, 2022
Property Address	108 N 3RD ST, CAMBRIDGE, IL 61238-1237
Document Number	0000005723
Instrument Date	Sep 19, 2022
Instrument	20-2205723
Transaction Type	Transfer
Record Updated	Oct 10, 2022
Title Company	GOMEZ TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$93.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 N 3RD ST, CAMBRIDGE, IL 61238-1237

Mortgage

Document Number	0000005724
Date	Sep 28, 2022
Instrument	20-2205724

Lender

Name	BNC NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.62%

Tax Assessment & Valuation

The 2025 property tax bill for 108 N 3rd St was $2,333 with exemptions applied.

Source: Henry County assessment roll, as of June 19, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Henry County
County Subdivision	Cambridge Township
Municipality	Cambridge Village
Unified School District	Cambridge Community Unit School District 227 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,333.00	$36,876 Land $7,083 Building $29,793	$110,628 Land $21,249 Building $89,379
2022		$34,860 Land $6,137 Building $28,723	$104,580 Land $18,411 Building $86,169
2021	$2,915.00

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.

Flood

FEMA maps place 108 N 3rd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 2, 2011

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 108 N 3rd 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CAMBRIDGE serves 2,086 people · EPA ID IL0730300
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 266 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cambridge Telcom Services Fiber · Fixed Wireless	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink.

Nearby Properties on N 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures