114 E Franklin St, Henderson, IL 61439 Property Records

Knox County property record for 114 E Franklin St, Henderson, IL 61439

Property Summary

Property Type	Single Family Home
Details	1 bd · 1,248 sqft · built 1974
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$187,000 (Jun 2026)
Tax Bill	$3,975 (2025)
Deeds & Mortgages	Jun 2026 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`05-14-407-002`

Property Details

APN / Parcel Number

Primary APN	`05-14-407-002`

Interior

Bedrooms	1 Bed
Stories	1 Story
Building Area	1,248 sqft Base Area
1st Floor Area	1,248 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,248 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	132 ft deep x 165 ft wide
Garage Area	912 sqft
Parking Spaces	4 Parking Spaces
Deck Area	304 sqft

Location & Zoning

Street Address	114 E FRANKLIN ST
City	HENDERSON
State	IL
Zip	61439-5041
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MCMURTRY ADDN S 1/2 LOT 7 & ADJ E 1/2 VAC 2ND ST VILLAGE OF HENDERSON
Legal Subdivision	MCMURTRY ADDN
Legal Lot Number	7
Jurisdiction	KNOX IL
Township / Civil Division	HENDERSON
Census Block Group	2
Census Block	2092
Census Tract	200

Owner

Source: Knox County records, as of August 18, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	114 E FRANKLIN ST, HENDERSON, IL 61439-5041
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2026 · Amount on Record
Deed Sale	Jun 4, 2026 · Amount on Record
Prior Sale	Jun 26, 2020 · Amount on Record
Deed Document Number	2026
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KNOX IL
Recording Date	Jun 4, 2026
Property Address	114 E FRANKLIN ST, HENDERSON, IL 61439-5041
Instrument Date	Jun 3, 2026
Transaction Type	Transfer
Record Updated	Aug 18, 2026
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	114 E FRANKLIN ST, HENDERSON, IL 61439-5041

Mortgage

Date	Jun 4, 2026

Lender

Name	TOWNE MORTGAGE

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Knox County assessment roll, as of June 18, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Knox County
County Subdivision	Henderson Township
Municipality	Henderson Village
Unified School District	Galesburg Community Unit School District 205 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,975.00 (+6.37%) Homeowner's exemption	$56,760 (+5.38%) Land $4,380 Building $52,380	$170,280 (+5.38%) Land $13,140 Building $157,140
2024	$3,737.00 (-1.16%)	$53,860 (+1.32%) Land $4,160 Building $49,700	$161,580 (+1.32%) Land $12,480 Building $149,100
2022	$3,781.00	$53,160 Land $3,520 Building $49,640	$159,480 Land $10,560 Building $148,920

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 2, 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 Claims	2 (1993)
Most Recent Claim	Jul 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 2 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HENDERSON serves 375 people · EPA ID IL0950250
Water Source	Purchased groundwater from GALESBURG
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	14 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50