118 E Franklin St, Mount Sterling, IL 62353 Property Records

Brown County property record for 118 E Franklin St, Mount Sterling, IL 62353

Property Summary

Property Type	Single Family Home
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$95,000 (Jun 2026)
Tax Bill	$2,475 (2024)
Deeds & Mortgages	Jun 2026 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`05-17-251-005`

Property Details

APN / Parcel Number

Primary APN	`05-17-251-005`
Alternative APN	`05-085-004-00`

Exterior

Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	137 ft deep x 54 ft wide

Location & Zoning

Street Address	118 E FRANKLIN ST
City	MOUNT STERLING
State	IL
Zip	62353-1526
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN NW COR E 1/2 NE 54' X 137' X 53.1/3'X134' SEC 17
Jurisdiction	BROWN IL
Township / Civil Division	MOUNT STERLING
Census Block Group	3
Census Block	3050
Census Tract	970500

Owner

Source: Brown County records, as of August 18, 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	118 E FRANKLIN ST, MOUNT STERLING, IL 62353-1526
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2026 · Amount on Record
Deed Sale	Jun 15, 2026 · Amount on Record
Prior Sale	Aug 5, 2022 · Amount on Record
Deed Document Number	2026
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BROWN IL
Recording Date	Jun 15, 2026
Property Address	118 E FRANKLIN ST, MOUNT STERLING, IL 62353-1526
Instrument Date	Jun 15, 2026
Transaction Type	Transfer
Record Updated	Aug 18, 2026
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
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	118 E FRANKLIN ST, MOUNT STERLING, IL 62353-1526

Mortgage

Date	Jun 15, 2026

Lender

Name	EAGLE VALLEY BANK

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	0.62%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Brown County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Illinois
County	Brown County
County Subdivision	Mount Sterling Township
Municipality	Mount Sterling City
Unified School District	Brown County Community Unit School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$33,400 (+7.24%) Land $2,778 Building $30,622	$100,200 (+7.24%) Land $8,334 Building $91,866
2024	$2,475.00 (+16.8%)	$31,145 (+16.72%) Land $2,590 Building $28,555	$93,435 (+16.72%) Land $7,770 Building $85,665
2022	$2,119.00	$26,683 Land $2,443 Building $24,240	$80,049 Land $7,329 Building $72,720

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 15, 2018

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

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.

Drinking Water

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

Water System	MOUNT STERLING serves 3,271 people · EPA ID IL0090100
Water Source	Purchased groundwater from CLAYTON-CAMP POINT WATER COMMISSION
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 175 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cass Cable TV Fiber	2,000 / 2,000
Adams Telsystems Fiber	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100
AT&T Fixed Wireless	100 / 20