108 Oak St, Cobden, IL 62920 Property Records

Union County property record for 108 Oak St, Cobden, IL 62920

Property Summary

Property Type	Single Family Home
Lot Size	0.422 acres (18,377 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Aug 2024)
Tax Bill	$2,177 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Sep 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-00-09-906`

Property Details

APN / Parcel Number

Primary APN	`14-00-09-906`
Alternative APN	`04-30-262-005`

Exterior

Lot Area	18,377 sqft (0.422 acres)
Lot Dimensions	148 ft deep x 123 ft wide

Location & Zoning

Street Address	108 OAK ST
City	COBDEN
State	IL
Zip	62920
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S30 T11 R1W W 1/2 LOT 8, LOTS 9 & 10 BLK D ORIGINAL PLAT OF COBDEN 123.75'X 148.5
Legal Range	01W
Legal Township	11
Legal Section	30
Legal Subdivision	TOWN OF SOUTH PASS
Legal Block	D
Legal Lot Number	8
Jurisdiction	UNION IL
Township / Civil Division	COBDEN DISTRICT 2
Census Block Group	4
Census Block	4004
Census Tract	950100

Owner

Source: Union County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	108 OAK ST, COBDEN, IL 62920
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2022	Deed of Trust, Mortgage · Line of Credit SIU CU
Sep 23, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Feb 16, 2022	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2024 · Amount on Record
Deed Sale	Aug 22, 2024 · Amount on Record
Deed Document Number	20241251
Prior Transfer Date	Sep 22, 2022
Prior Transfer Doc	02022R1742
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION IL
Property Address	108 OAK ST, COBDEN, IL 62920
Transaction Type	Mortgage
Record Updated	Dec 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022R2135
Date	Dec 9, 2022
Instrument	2022R2135

Lender

Name	SIU CU
Type	Credit Union
Address	CARBONDALE, IL 62902

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 8, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	UNION IL
Recording Date	Sep 23, 2022
Property Address	108 OAK ST, COBDEN, IL 62920
Document Number	02022R1742
Instrument Date	Sep 22, 2022
Instrument	2022R1742
Transaction Type	Transfer
Record Updated	Oct 12, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 OAK ST, COBDEN, IL 62920

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION IL
Recording Date	Feb 16, 2022
Property Address	108 OAK ST, COBDEN, IL 62920
Document Number	02022R0264
Instrument Date	Feb 16, 2022
Instrument	2022R0264
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$60.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1804 W WALNUT ST, 1804, MARION, IL 62959-1372

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 OAK ST, COBDEN, IL 62920

Tax Assessment & Valuation

Source: Union County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Cobden Village
County	Union County
Unified School District	Cobden School Unit District 17 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,177.00 (+27.09%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$44,330 (+6.54%) Land $11,110 Building $33,220	$132,990 (+6.54%) Land $33,330 Building $99,660
2024	$1,713.00 (+7.26%)	$41,610 (+16.64%) Land $10,430 Building $31,180	$124,830 (+16.64%) Land $31,290 Building $93,540
2022	$1,597.00 Homeowner's exemption Senior Citizen's exemption	$35,674 Land $8,943 Building $26,731	$107,022 Land $26,829 Building $80,193

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 May 2, 2008

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

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.

Drinking Water

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

Water System	COBDEN serves 1,267 people · EPA ID IL1810150
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	4 ppb (2026) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Mediacom Xtream Cable	1,000 / 50
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

May also be available: BLIP Networks, ClearWave.

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