109 Main St, Kempton, IL 60946 Property Records

Ford County property record for 109 Main St, Kempton, IL 60946

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,633 sqft · built 1917
Lot Size	0.321 acres (14,000 sqft)
Owner	Individual Name on Record
Tax Bill	$1,280 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`02-02-06-202-007`

Property Details

APN / Parcel Number

Primary APN	`02-02-06-202-007`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,633 sqft Living Area
Basement Area	416 sqft
Unfinished Basement	416 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Lot Area	14,000 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	624 sqft

Location & Zoning

Street Address	109 MAIN ST
City	KEMPTON
State	IL
Zip	60946-4113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOAN # 14696044 LOTS 12 & 13 BLK 5 KEMPS 1ST ADD 100 X 140 ZONING R-1
Legal Range	09E
Legal Township	28N
Legal Section	06
Legal Subdivision	KEMPS 1ST ADD
Legal Block	5
Legal Lot Number	12,13
Jurisdiction	FORD IL
Township / Civil Division	MONA
Census Block Group	2
Census Block	2052
Census Tract	961600

Owner

Source: Ford County records, as of October 16, 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 MAIN ST, KEMPTON, IL 60946-4113
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Widow or Widower

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage VERMILION VALLEY BANK
Apr 20, 2026	Executor's Deed, Transfer NONE LISTED ON DOCUMENT

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 16, 2026
Transfer Doc	0000287952
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORD IL
Recording Date	May 22, 2026
Property Address	109 MAIN ST, KEMPTON, IL 60946-4113
Document Number	0000288170
Instrument Date	May 15, 2026
Instrument	2026288170
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 MAIN ST, KEMPTON, IL 60946-4113

Mortgage

Document Number	0000288170,
Date	May 22, 2026
Instrument	2026288170

Lender

Name	VERMILION VALLEY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	144 Months
Due	May 18, 2038

Interest

Rate Type	Fixed Rate
Rate	6.5%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	FORD IL
Recording Date	Apr 20, 2026
Property Address	109 MAIN ST, KEMPTON, IL 60946-4113
Document Number	0000287952
Instrument Date	Apr 16, 2026
Instrument	2026287952
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
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 MAIN ST, KEMPTON, IL 60946-4113

Tax Assessment & Valuation

Source: Ford County assessment roll, as of October 16, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Ford County
County Subdivision	Mona Township
Municipality	Kempton Village
Unified School District	Tri-Point Community Unit School District 6-J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,280.00 (-5.6%) Homeowner's exemption	$37,160 (+13.02%) Land $2,420 Building $34,740	$111,480 (+13.02%) Land $7,260 Building $104,220
2024	$1,356.00 (-4.24%)	$32,880 (+25.88%) Land $2,140 Building $30,740	$98,640 (+25.88%) Land $6,420 Building $92,220
2022	$1,416.00	$26,120 Land $1,700 Building $24,420	$78,360 Land $5,100 Building $73,260

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 22, 2022

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 98% of the US · lower than 86% 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	KEMPTON serves 177 people · EPA ID IL0530150
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2025) action level 15 ppb
Copper	1.7 mg/L (2016–2018) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Apr 2019
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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Watch TV Fixed Wireless	100 / 20

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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