118 Cedar Dr, Chapin, IL 62628 Property Records

Morgan County property record for 118 Cedar Dr, Chapin, IL 62628

Property Summary

Property Type	Single Family Home
Lot Size	2.67 acres (116,305 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Apr 2018)
Tax Bill	$3,597 (2025)
Deeds & Mortgages	May 2020 Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-02-401-023`

Property Details

APN / Parcel Number

Primary APN	`07-02-401-023`

Exterior

Lot Area	116,305 sqft (2.67 acres)

Location & Zoning

Street Address	118 CEDAR DR
City	CHAPIN
State	IL
Zip	62628-4112
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RNG/BLK:12 TWP:15 SECT/LOT:2 VILLAGE OF CHAPIN LANDS PT SW SE EXC ROW DOC-449201 8-16-95 QC
Legal Range	12W
Legal Township	15N
Legal Section	02
Legal Block	12
Legal Lot Number	2
Jurisdiction	MORGAN IL
Township / Civil Division	CHAPIN
Census Block Group	2
Census Block	2040
Census Tract	951400

Owner

118 Cedar Dr is owned and occupied by an individual who bought it in April 2018.

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

Owner of Record	Individual Name on File
Mailing Address	118 CEDAR DR, CHAPIN, IL 62628-4112
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

Date	Document
May 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage TOWN & COUNTRY BANC MORTGAGE SVCS INC
May 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage TOWN & COUNTRY BANC MORTGAGE SVCS INC
Apr 23, 2018	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2018 · Amount on File
Deed Sale	Apr 23, 2018 · Amount on File
Prior Sale	Jun 26, 2015 · Amount on File
Deed Document Number	2018621587
Prior Transfer Date	Oct 16, 2013
Prior Transfer Doc	0000598470
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN IL
Property Address	118 CEDAR DR, CHAPIN, IL 62628-4112
Transaction Type	Mortgage
Record Updated	Apr 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	631345
Date	May 14, 2020
Instrument	631345

Lender

Name	TOWN & COUNTRY BANC MORTGAGE SVCS INC
Type	Mortgage Company
Address	SPRINGFIELD, IL 62711

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2035

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN IL
Property Address	118 CEDAR DR, CHAPIN, IL 62628-4112
Transaction Type	Mortgage
Record Updated	Apr 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	626472
Date	May 15, 2019
Instrument	626472

Lender

Name	TOWN & COUNTRY BANC MORTGAGE SVCS INC
Type	Mortgage Company
Address	SPRINGFIELD, IL 62711

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2039

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN IL
Recording Date	Apr 23, 2018
Property Address	118 CEDAR DR, CHAPIN, IL 62628-4112
Document Number	0000621587
Instrument Date	Apr 20, 2018
Instrument	621587
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	112 W FREDERICK ST, 112, ARENZVILLE, IL 62611-3112

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	118 CEDAR DR, CHAPIN, IL 62628-4112

Mortgage

Document Number	0000621588
Date	Apr 23, 2018
Instrument	621588

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 118 Cedar Dr was $3,597 with a homeowner's exemption, up 7% from the year before.

Source: Morgan County assessment roll, as of May 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Chapin Village
County	Morgan County
Unified School District	Triopia Community Unit School District 27 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,597.00 (+6.96%)	$52,110 Land $6,290 Building $45,820	$156,330 Land $18,870 Building $137,460
2024	$3,363.00
2023		$46,950 (-14.99%) Land $5,670 Building $41,280	$140,850 (-14.99%) Land $17,010 Building $123,840
2022	$3,780.00 (+5.32%) Homeowner's exemption	$55,230 Land $6,670 Building $48,560	$165,690 Land $20,010 Building $145,680
2021	$3,589.00

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

FEMA maps place 118 Cedar Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective August 18, 2009 · 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	1 (1979)
Most Recent Claim	Apr 1979 · rainfall accumulation

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 118 Cedar 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 97% of the US · lower than 79% 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	CONCORD serves 295 people · EPA ID IL1370100
Water Source	Purchased groundwater influenced by surface water from CHAPIN
Last State Inspection	Feb 2025
Lead	6 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	4 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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Illinois Net, Wisper ISP.

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