109 S Pearl St, Atkinson, IL 61235 Property Records

Henry County property record for 109 S Pearl St, Atkinson, IL 61235

Property Summary

Property Type	Commercial
Lot Size	4.88 acres (212,573 sqft)
Owner	Company Name on Record
Last Sale	$595,000 (Sep 2022)
Tax Bill	$3,666 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage May 2020 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-34-427-014`

Property Details

APN / Parcel Number

Primary APN	`09-34-427-014`

Interior

Units	24 Units

Exterior

Lot Area	212,573 sqft (4.88 acres)

Location & Zoning

Street Address	109 S PEARL ST
City	ATKINSON
State	IL
Zip	61235-9739
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LT 6 BLK 2 RILEYS 2ND ADD & LT A & SE NE LYG E & ADJ RILEYS 2ND ADD, EX N380 & E70 SEC 34 T17N R4E LANDS INCORP
Legal Range	04E
Legal Township	17N
Legal Section	34
Legal Subdivision	RILEYS 2ND ADD
Legal Block	2
Legal Lot Number	6,A
Jurisdiction	HENRY IL
Township / Civil Division	ATKINSON
Census Block Group	3
Census Block	3006
Census Tract	30400

Owner

Source: Henry County records, as of June 19, 2026

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

Owner of Record	Company Name on Record
Mailing Address	9 ANNA DR, BUDD LAKE, NJ 07828-2211
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2022	Warranty Deed, Transfer · Commercial Mortgage FIVE STAR BANK
May 1, 2020	Warranty Deed, Transfer · Line of Credit FIRST STATE BANK
Sep 9, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2022 · Amount on Record
Deed Sale	Sep 6, 2022 · Amount on Record
Prior Sale	May 1, 2020 · Amount on Record
Deed Document Number	20225301
Record Updated	Sep 20, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENRY IL
Recording Date	Sep 6, 2022
Property Address	109 S PEARL ST, ATKINSON, IL 61235-9739
Document Number	0000005301
Instrument Date	Aug 2, 2022
Instrument	20-2205301
Transaction Type	Transfer
Record Updated	Sep 15, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$595.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1341 W 31ST PL, 1341, CHICAGO, IL 60608-6300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 ANNA DR, BUDD LAKE, NJ 07828-2211

Mortgage

Document Number	0000005302
Date	Sep 6, 2022
Instrument	20-2205302

Lender

Name	FIVE STAR BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	0000005304
Date	Sep 6, 2022
Instrument	20-2205304

Lender

Name	FIVE STAR BANK
Type	Bank
Address	RANCHO CORDOVA, CA 95670

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENRY IL
Recording Date	May 1, 2020
Property Address	109 S PEARL ST, ATKINSON, IL 61235-9739
Document Number	0000002436
Instrument Date	Apr 30, 2020
Instrument	20-2002436
Transaction Type	Transfer
Record Updated	Jun 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$636.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	719 W MONTROSE AVE APT 2W, 2W, CHICAGO, IL 60613-7328

Mortgage

Document Number	0000002437
Date	May 1, 2020
Instrument	20-2002437

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 30, 2040

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HENRY IL
Recording Date	Sep 9, 2019
Property Address	109 S PEARL ST, ATKINSON, IL 61235-9739
Document Number	0000004593
Instrument Date	Aug 26, 2019
Instrument	4593
Transaction Type	Transfer
Record Updated	Oct 23, 2019
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1474 ADRIENNE CIR SYCAMORE IL 601783271, SYCAMORE, IL 60178-3271

Tax Assessment & Valuation

Source: Henry County assessment roll, as of June 19, 2026

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Atkinson Town
County	Henry County
County Subdivision	Atkinson Township
Unified School District	Geneseo Community Unit School District 228 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,666.00 (-4.38%)	$47,161 (-) Land $16,186 Building $30,975	$141,483 (-) Land $48,558 Building $92,925
2022		$47,161 Land $16,186 Building $30,975	$141,483 Land $48,558 Building $92,925
2021	$3,834.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective June 2, 2011

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	0.02% 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	ATKINSON serves 955 people · EPA ID IL0730200
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	5 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 115 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Henry County Telephone Company Fiber · Fixed Wireless	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Nextlink Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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