Clay County property record for 109 Summit St, Xenia, IL 62899
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.99 acres (43,124 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,933 (2025) |
| Deeds & Mortgages | Oct 2019 Mortgage Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-10-100-048 |
| Primary APN | 13-10-100-048 |
|---|
| Lot Area | 43,124 sqft (0.99 acres) |
|---|
| Street Address | 109 SUMMIT ST |
|---|---|
| City | XENIA |
| State | IL |
| Zip | 62899-1289 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PART LOT 6 NW (200'X215') .99 AC |
| Legal Lot Number | 6 |
| Jurisdiction | CLAY IL |
| Township / Civil Division | XENIA |
| Census Block Group | 2 |
| Census Block | 2142 |
| Census Tract | 972200 |
109 Summit St is owned and occupied by an individual.
Source: Clay County records, as of October 15, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 SUMMIT ST, XENIA, IL 62899-1289 |
| 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.
| Date | Document |
|---|---|
| Oct 31, 2019 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY PARTNER SAVINGS BANK |
| Apr 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY PARTNERS SAV BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Property Address | 109 SUMMIT ST, XENIA, IL 62899-1289 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | D197716 |
|---|---|
| Date | Oct 31, 2019 |
| Instrument | D197716 |
| Name | COMMUNITY PARTNER SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 18, 2029 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Property Address | 109 SUMMIT ST, XENIA, IL 62899-1289 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 198712 |
|---|---|
| Date | Apr 6, 2020 |
| Instrument | 198712 |
| Name | COMMUNITY PARTNERS SAV BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 109 Summit St was $1,933 with a homeowner's exemption, up 7.8% from the year before.
Source: Clay County assessment roll, as of October 15, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Clay County |
| County Subdivision | Xenia Township |
| Municipality | Xenia Village |
| Unified School District | Flora Community Unit School District 35 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,933.00 (+7.81%) Homeowner's exemption | $32,390 Land $3,167 Building $29,223 | $97,170 Land $9,501 Building $87,669 |
| 2024 | $1,793.00 | ||
| 2022 | $1,532.00 (+0.72%) Homeowner's exemption | $23,945 Land $2,331 Building $21,614 | $71,835 Land $6,993 Building $64,842 |
| 2021 | $1,521.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Summit St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 17, 2025
| 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 risk around 109 Summit St is low, with 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 80% of the US · above 71% of Illinois |
|---|---|
| Wildfire Likelihood | 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 | XENIA serves 542 people · EPA ID IL0250300 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 132 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wabash Communications Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| Nextlink Fixed Wireless | 100 / 20 |
May also be available: ClearWave, T-Mobile.
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