108 N West St, Downs, IL 61736 Property Records

McLean County property record for 108 N West St, Downs, IL 61736

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,073 sqft · built 1961
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Sep 2024)
Tax Bill	$1,664 (2024)
Deeds & Mortgages	Dec 2025 Mortgage Feb 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-04-127-005`

Property Details

APN / Parcel Number

Primary APN	`29-04-127-005`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,073 sqft Living Area
1st Floor Area	1,073 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	108 N WEST ST
City	DOWNS
State	IL
Zip	61736-7559
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KICKAPOO PARK SUB LOT 21
Legal Range	03E
Legal Township	22N
Legal Section	04
Legal Subdivision	KICKAPOO PARK SUB
Legal Lot Number	21
Jurisdiction	MCLEAN IL
Township / Civil Division	DOWNS
Census Block Group	3
Census Block	3030
Census Tract	5401

Owner

Source: McLean County records, as of April 8, 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	108 N WEST ST, DOWNS, IL 61736-7559
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Feb 6, 2023	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 2, 2021	Deed of Trust, Mortgage · FHA Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2024 · Amount on Record
Deed Sale	Sep 24, 2024 · Amount on Record
Deed Document Number	202413898
Prior Transfer Date	Feb 3, 2023
Prior Transfer Doc	0000001725
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	108 N WEST ST, DOWNS, IL 61736-7559
Transaction Type	Mortgage
Record Updated	Dec 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 N WEST ST, DOWNS, IL 61736-7559

Mortgage

Document Number	202500017919
Date	Dec 16, 2025
Instrument	2025-00017919

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

Interest

Rate	6.49%

February 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MCLEAN IL
Recording Date	Feb 6, 2023
Property Address	108 N WEST ST, DOWNS, IL 61736-7559
Document Number	202300001725
Map Reference	DOC51546MB15PG255
Instrument Date	Feb 3, 2023
Instrument	2023-00001725
Transaction Type	Transfer
Record Updated	Feb 16, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	108 N WEST ST, DOWNS, IL 61736-7559

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	108 N WEST ST, DOWNS, IL 61736-7559
Transaction Type	Mortgage
Record Updated	Jun 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100012934
Date	Jun 2, 2021
Instrument	2021-00012934

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jun 1, 2061

Tax Assessment & Valuation

Source: McLean County assessment roll, as of April 8, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	McLean County
County Subdivision	Downs Township
Municipality	Downs Village
Unified School District	Tri-Valley Community Unit School District 3 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$45,147 (+20.26%) Land $8,470 Building $36,677	$135,441 (+20.26%) Land $25,410 Building $110,031
2024	$1,664.00 (+1.96%)
2023	$1,632.00 (-2.04%)	$37,540 (+9.47%) Land $7,043 Building $30,497	$112,620 (+9.47%) Land $21,129 Building $91,491
2022	$1,666.00	$34,293 Land $6,434 Building $27,859	$102,879 Land $19,302 Building $83,577

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 June 27, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2026 · river or lake flooding

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

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	DOWNS serves 1,201 people · EPA ID IL1130500
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2026) action level 15 ppb
Copper	1.4 mg/L (2025) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control currently in violation since Jan 2026
Monitoring and Reporting	2 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 228 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pavlov Media Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Watch TV Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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