110 W Mill St, Ruma (Red Bud), IL 62278 Property Records

Randolph County property record for 110 W Mill St, Ruma, IL 62278

Property Summary

Property Type	Single Family Home
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Aug 2026)
Tax Bill	$2,408 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-150-040-00`

Property Details

APN / Parcel Number

Primary APN	`13-150-040-00`

Exterior

Lot Area	17,424 sqft (0.4 acres)

Location & Zoning

Street Address	110 W MILL ST
City	RUMA
State	IL
Zip	62278-2702
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	552/374 2009R04113 2022R01218 LOT 4 ELK VIEW ESTATES PT NW NE .40 AC VILLAGE OF RUMA
Legal Subdivision	ELK VIEW ESTATES
Legal Lot Number	4
Jurisdiction	RANDOLPH IL
Township / Civil Division	RUMA
Census Block Group	2
Census Block	2037
Census Tract	950900

Owner

Source: Randolph County records, as of October 13, 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	110 W MILL ST, RUMA, IL 62278-2702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2026	Warranty Deed, Transfer · Conventional Mortgage BUENA VISTA NATIONAL BANK
Apr 20, 2022	Warranty Deed, Transfer · Conventional Mortgage BUENA VISTA NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2026 · Amount on Record
Deed Sale	Aug 19, 2026 · Amount on Record
Prior Sale	Aug 24, 2009 · Amount on Record
Deed Document Number	20262554
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RANDOLPH IL
Recording Date	Aug 19, 2026
Property Address	110 W MILL ST, RUMA, IL 62278-2702
Document Number	0000002554
Instrument Date	Aug 14, 2026
Instrument	20262554
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$21,967.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 W MILL ST, RUMA, IL 62278-2702

Mortgage

Document Number	0000002555,
Date	Aug 19, 2026
Instrument	20262555

Lender

Name	BUENA VISTA NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RANDOLPH IL
Recording Date	Apr 20, 2022
Property Address	110 W MILL ST, RUMA, IL 62278-2702
Document Number	2022R01218
Map Reference	PC 6 JAC 98
Instrument Date	Apr 19, 2022
Instrument	2022R01218
Transaction Type	Transfer
Record Updated	Aug 5, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$172.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	922 POWELL RD, RED BUD, IL 62278-2512

Mortgage

Document Number	2022R01219
Date	Apr 20, 2022
Instrument	2022R01219

Lender

Name	BUENA VISTA NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Randolph County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Randolph County
Municipality	Ruma Village
Unified School District	Red Bud Community Unit School District 132 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,408.00 (+6.83%)	$44,005 (+6.83%) Land $6,005 Building $38,000	$132,015 (+6.83%) Land $18,015 Building $114,000
2024	$2,254.00 (+37.02%)	$41,190 (+14.19%) Land $5,620 Building $35,570	$123,570 (+14.19%) Land $16,860 Building $106,710
2022	$1,645.00 Homeowner's exemption	$36,070 Land $4,925 Building $31,145	$108,210 Land $14,775 Building $93,435

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

Source: FEMA National Flood Hazard Layer, effective August 18, 2022 · 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	4 in force
Nearby Flood Claims	3 (1993)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Aug 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 3 claims

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

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	PRAIRIE DU ROCHER serves 759 people · EPA ID IL1570400
Water Source	Purchased groundwater from RUMA
Last State Inspection	Oct 2024
Lead	7 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Harrisonville Telephone Company DSL	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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