Coles County property record for 109 E Main St, Oakland, IL 61943
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,213 sqft · built 1857 |
| Lot Size | 0.63 acres (27,443 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $125,000 (May 2023) |
| Tax Bill | $4,119 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-0-03070-000 |
| Primary APN | 03-0-03070-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,213 sqft Base Area |
| 1st Floor Area | 3,213 sqft |
| Basement Area | 1,088 sqft |
| Unfinished Basement | 1,088 sqft |
| Year Built | Built 1857 |
|---|---|
| Effective Year Built | Effective 1857 |
| Lot Area | 27,443 sqft (0.63 acres) |
| Lot Dimensions | 235 ft deep x 116 ft wide |
| Garage Type | Attached |
| Garage Area | 1,120 sqft |
| Cooling System | Central |
|---|
| Street Address | 109 E MAIN ST |
|---|---|
| City | OAKLAND |
| State | IL |
| Zip | 61943-7159 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H. RUTHERFORD'S ADDITION LOTS 01 & 06-08 BLOCK 04 |
| Legal Subdivision | H RUTHERFORD'S ADDITION |
| Legal Block | 4 |
| Legal Lot Number | 1,6 |
| Jurisdiction | COLES IL |
| Township / Civil Division | EAST OAKLAND |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 100 |
Source: Coles County records, as of June 23, 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 | 109 E MAIN ST, OAKLAND, IL 61943-7159 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 25, 2023 · Amount on Record |
| Deed Sale | May 25, 2023 · Amount on Record |
| Deed Document Number | 2023806756 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COLES IL |
| Recording Date | May 25, 2023 |
| Property Address | 109 E MAIN ST, OAKLAND, IL 61943-7159 |
| Document Number | 202300806756 |
| Instrument Date | May 16, 2023 |
| Instrument | 202300806756 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $125.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 981 DAVIE CT, MADISON, OH 44057-9790 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 109 E MAIN ST, OAKLAND, IL 61943-7159 |
| Document Number | 202300806757 |
|---|---|
| Date | May 25, 2023 |
| Instrument | 202300806757 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
Source: Coles County assessment roll, as of June 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Coles County |
| County Subdivision | East Oakland Township |
| Municipality | Oakland City |
| Unified School District | Oakland Community Unit School District 5 (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,119.00 (+50.55%) | $47,950 (-8.28%) Land $4,543 Building $43,407 | $143,850 (-8.28%) Land $13,629 Building $130,221 |
| 2023 | $52,281 Land $4,543 Building $47,738 | $156,843 Land $13,629 Building $143,214 | |
| 2020 | $2,736.00 |
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.
Source: FEMA National Flood Hazard Layer, effective July 18, 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OAKLAND serves 739 people · EPA ID IL0290300 |
|---|---|
| Water Source | Purchased groundwater from EMBARRAS AREA WATER DISTRICT |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 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.
Source: FCC Broadband Data Collection, based on 184 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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