118 E Oak Ave, Montrose, IL 62445 Property Records

Effingham County property record for 118 E Oak Ave, Montrose, IL 62445

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 1,248 sqft · built 1978
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (Sep 2019)
Tax Bill	$2,061 (2022)
Deeds & Mortgages	Sep 2019 Sale & Line of Credit Sep 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`10-19-001-018`

Property Details

APN / Parcel Number

Primary APN	`10-19-001-018`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,248 sqft Base Area
1st Floor Area	1,248 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Frame
Lot Area	13,939 sqft (0.32 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	118 E OAK AVE
City	MONTROSE
State	IL
Zip	62445-1120
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 BLK 5 JOHNSTON'S ADD 3496/243 3496/240 2456/72 1634/66 1598/35 1392/196 1019/208 641/157 570/153
Legal Subdivision	JOHNSTON'S ADDITION
Legal Block	5
Legal Lot Number	2
Jurisdiction	EFFINGHAM IL
Township / Civil Division	ST. FRANCIS
Census Block Group	3
Census Block	3040
Census Tract	950100

Owner

Source: Effingham County records, as of October 5, 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	2 Individual Names on Record
Mailing Address	118 E OAK AVE, MONTROSE, IL 62445-1120
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2019	Warranty Deed, Transfer · Line of Credit MARION COUNTY SAVINGS BANK
Sep 16, 2019	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2019 · Amount on Record
Deed Sale	Sep 16, 2019 · Amount on Record
Prior Sale	Sep 16, 2019 · Amount on Record
Deed Document Number	20191903683
Deed Book / Page	3496 / 243
Prior Transfer Date	Nov 5, 2008
Prior Transfer Doc	2456/072
Record Updated	Oct 29, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 16, 2019
Property Address	118 E OAK AVE, MONTROSE, IL 62445-1120
Document Number	3496/243
Book / Page	3496 / 243
Map Reference	MB 2 PG 290
Instrument Date	Sep 13, 2019
Instrument	201901903683
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	BURNET TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$112.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	118 E OAK AVE, MONTROSE, IL 62445-1120

Mortgage

Document Number	201901903684
Date	Sep 16, 2019
Instrument	201901903684

Lender

Name	MARION COUNTY SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2029

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 16, 2019
Property Address	118 E OAK AVE, MONTROSE, IL 62445-1120
Document Number	3496/240
Book / Page	3496 / 240
Map Reference	MB 2 PG 290
Instrument Date	Sep 12, 2019
Instrument	201901903682
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$105.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1417 MITTENDORF DR, 1417, CHAMPAIGN, IL 61820-2510

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	118 E OAK AVE, MONTROSE, IL 62445-1120

Tax Assessment & Valuation

Source: Effingham County assessment roll, as of October 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	St. Francis Township
Municipality	Montrose Village
Unified School District	Dieterich Community Unit School District 30 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption	$51,310 (+10.01%) Land $3,370 Building $47,940	$153,930 (+10.01%) Land $10,110 Building $143,820
2024		$46,640 (+21.55%) Land $3,060 Building $43,580	$139,920 (+21.55%) Land $9,180 Building $130,740
2022	$2,061.00 Homeowner's exemption	$38,370 Land $2,520 Building $35,850	$115,110 Land $7,560 Building $107,550

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

Flood

Source: FEMA National Flood Hazard Layer, effective January 17, 2025

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 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	EJ WATER-MONTROSE serves 201 people · EPA ID IL0490350
Water Source	Purchased groundwater from EJ WATER COOPERATIVE
Last State Inspection	Nov 2025
Lead	1 ppb (2026–2028) action level 15 ppb
Copper	1.44 mg/L (2021) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Communications Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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