109 E Cleveland St, Ladd, IL 61329 Property Records

Bureau County property record for 109 E Cleveland St, Ladd, IL 61329

Property Summary

Property Type	Single Family Home
Details	built 1942
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$105,000 (Jun 2021)
Tax Bill	$4,097 (2025)
Deeds & Mortgages	Jun 2021 Sale May 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-15-101-002`

Property Details

APN / Parcel Number

Primary APN	`18-15-101-002`
Alternative APN	`509`

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Lot Area	6,970 sqft (0.16 acres)

Location & Zoning

Account Number	1815101002
Street Address	109 E CLEVELAND ST
City	LADD
State	IL
Zip	61329-9766
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LADD-SST PT NW NW D 21-2762
Legal Range	11
Legal Township	16
Legal Section	15
Jurisdiction	BUREAU IL
Township / Civil Division	HALL
Census Block Group	1
Census Block	1067
Census Tract	965100

Owner

109 E Cleveland St is owned and occupied by an individual who bought it in June 2021.

Source: Bureau County records, as of May 8, 2026

Owner of Record	Individual Name on File
Mailing Address	109 E CLEVELAND ST, LADD, IL 61329-9766
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 24, 2021	Warranty Deed, Transfer
May 11, 2021	Warranty Deed, Transfer · Conventional Mortgage NORTH CENTRAL BANK
Nov 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage CHERRY STATE BANNK
Jan 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK OF CHERRY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2021 · Amount on File
Deed Sale	Jun 24, 2021 · Amount on File
Prior Sale	May 11, 2021 · Amount on File
Deed Document Number	20212762
Prior Transfer Date	Dec 11, 2012
Prior Transfer Doc	2012R05811
Record Updated	Jun 8, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUREAU IL
Recording Date	Jun 24, 2021
Property Address	109 E CLEVELAND ST, LADD, IL 61329-9766
Document Number	2021R02762
Instrument Date	May 10, 2021
Instrument	2021R02762
Transaction Type	Transfer
Record Updated	Jul 14, 2021

Transaction

Amount	Amount on Record
Tax	$157.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 E 1ST ST, OGLESBY, IL 61348-1507

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUREAU IL
Recording Date	May 11, 2021
Property Address	109 E CLEVELAND ST, LADD, IL 61329-9766
Document Number	2021R02019
Instrument Date	May 10, 2021
Instrument	2021R02019
Transaction Type	Transfer
Record Updated	Jun 2, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$157.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E CLEVELAND ST, LADD, IL 61329-9766

Mortgage

Document Number	2021R02020
Date	May 11, 2021
Instrument	2021R02020

Lender

Name	NORTH CENTRAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	2.5%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUREAU IL
Property Address	109 E CLEVELAND ST, LADD, IL 61329-9766
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017R04531
Date	Nov 1, 2017
Instrument	2017R04531

Lender

Name	CHERRY STATE BANNK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 25, 2027

Interest

Rate Type	Fixed Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUREAU IL
Property Address	109 E CLEVELAND ST, LADD, IL 61329-9766
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R00127
Date	Jan 10, 2020
Instrument	2020R00127

Lender

Name	STATE BANK OF CHERRY
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2035

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 109 E Cleveland St was $4,097 with a homeowner's exemption, up 5.8% from the year before.

Source: Bureau County assessment roll, as of May 8, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Bureau County
County Subdivision	Hall Township
Municipality	Ladd Village
Secondary School District	Hall High School District 502 (09 - 12)
Elementary School District	Ladd Community Consolidated School District 94 (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,097.00 (+5.84%) Homeowner's exemption	$46,094 (+8.56%) Land $3,572 Building $42,522	$138,282 (+8.56%) Land $10,716 Building $127,566
2024	$3,871.00	$42,459 (+6.64%) Land $3,290 Building $39,169	$127,377 (+6.64%) Land $9,870 Building $117,507
2023		$39,815 Land $3,085 Building $36,730	$119,445 Land $9,255 Building $110,190
2022	$3,664.00

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 109 E Cleveland St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 2, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

Wildfire risk around 109 E Cleveland St is low, with less than 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 99.1% of the US · lower than 94% 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	LADD serves 1,263 people · EPA ID IL0110450
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 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 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Nextlink Fixed Wireless	100 / 20

May also be available: IVNet.

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