115 Point Bluff Dr, Decatur, IL 62521 Property Records

Macon County property record for 115 Point Bluff Dr, Decatur, IL 62521

Property Summary

Property Type	Single Family Home
Lot Size	0.52 acres (22,651 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Jun 2000)
Tax Bill	$3,331 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-12-26-181-013`

Property Details

APN / Parcel Number

Primary APN	`04-12-26-181-013`
Alternative APN	`12-26-181-013`

Exterior

Lot Area	22,651 sqft (0.52 acres)

Location & Zoning

Account Number	041226181013
Street Address	115 POINT BLUFF DR
City	DECATUR
State	IL
Zip	62521-5505
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNICIPAL
Legal Description	SOUTHSHORES 20TH ADD L 47 00BK2993/189 IRREG 94BK2566/685 82,500
Legal Range	02E
Legal Township	16N
Legal Section	26
Legal Subdivision	SOUTHSHORES 20TH ADD
Jurisdiction	MACON IL
Township / Civil Division	DECATUR
Census Block Group	1
Census Block	1025
Census Tract	1300

Owner

115 Point Bluff Dr is owned and occupied by an individual who bought it in June 2000.

Source: Macon County records, as of June 5, 2026

Owner of Record	Individual Name on File
Mailing Address	115 POINT BLUFF DR, DECATUR, IL 62521-5505
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2000 · Amount on File
Deed Sale	Jun 1, 2000 · Amount on File
Record Updated	Sep 20, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON IL
Recording Date	Feb 24, 2023
Property Address	115 POINT BLUFF DR, DECATUR, IL 62521-5505
Document Number	004940/173
Book / Page	4940 / 173
Map Reference	BK 300 PG 365
Instrument Date	Feb 22, 2023
Instrument	2008136
Transaction Type	Transfer
Record Updated	Mar 15, 2023
Title Company	CENTRAL ILLINOIS TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$213.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 POINT BLUFF DR, DECATUR, IL 62521-5505

Mortgage

Document Number	0002008137
Date	Feb 24, 2023
Instrument	2008137

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Fixed Rate
Rate	5.38%

Mortgage

Document Number	004940/191
Date	Feb 24, 2023
Book Page	4940/191
Instrument	2008138

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	60 Months
Due	Mar 1, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 115 Point Bluff Dr was $3,331 with a homeowner's exemption.

Source: Macon County assessment roll, as of June 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Macon County
County Subdivision	Decatur Township
Municipality	Decatur City
Unified School District	Decatur School District 61 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,331.00	$41,694 Land $9,440 Building $32,254	$125,095 Land $28,323 Building $96,772

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

Flood

FEMA maps place 115 Point Bluff Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 28, 2024 · 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	1 in force

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

Wildfire risk around 115 Point Bluff Dr is low, with less than 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 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	DECATUR serves 76,122 people · EPA ID IL1150150
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 455 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Shawnee Communications.

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