120 Elm St, Panama, IL 62077 Property Records

Bond County property record for 120 Elm St, Panama, IL 62077

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,440 sqft · built 1900
Owner	Individual Name on File
Last Sale	$54,000 (Jun 2020)
Tax Bill	$1,972 (2024)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Jun 2020 Sale
APN	`09-21-27-102-040`

Property Details

APN / Parcel Number

Primary APN	`09-21-27-102-040`

Interior

Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,440 sqft Living Area
Gross Area	1,880 sqft
Basement Area	440 sqft

Exterior

Year Built	Built 1900
Foundation Type	Raised
Roof Material	Asphalt
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	120 ELM ST
City	PANAMA
State	IL
Zip	62077-4426
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 72-76 PANAMA.
Legal Lot Number	72-76 73
Jurisdiction	BOND IL
Township / Civil Division	SHOAL CREEK
Census Block Group	1
Census Block	1006
Census Tract	951400

Owner

120 Elm St is owned and occupied by an individual who acquired it in December 2022.

Source: Bond County records, as of January 12, 2026

Owner of Record	Individual Name on File
Mailing Address	120 ELM ST, PANAMA, IL 62077-4426
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
Dec 12, 2022	Administrator's Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 25, 2020	Warranty Deed, Transfer COMMUNITY TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2020 · Amount on File
Deed Sale	Jun 25, 2020 · Amount on File
Prior Sale	Jun 25, 2020 · Amount on File
Deed Document Number	GR1153/7092
Deed Book / Page	GR1153 / 7092
Last Transfer Date	Dec 12, 2022
Transfer Doc	0000174787
Record Updated	Jun 8, 2026

December 2022: Administrator's Deed, Transfer

Document Type	Administrator's Deed
Jurisdiction	BOND IL
Recording Date	Dec 12, 2022
Property Address	120 ELM ST, PANAMA, IL 62077-4426
Document Number	0000174787
Instrument Date	Dec 9, 2022
Instrument	174787
Transaction Type	Transfer
Record Updated	Dec 28, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$133.50
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	300 OAKBROOK DR, CARLINVILLE, IL 62626-1558

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 ELM ST, PANAMA, IL 62077-4426

Mortgage

Document Number	0000174788
Date	Dec 12, 2022
Instrument	174788

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Fixed Rate

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOND IL
Recording Date	Jun 25, 2020
Property Address	120 ELM ST, PANAMA, IL 62077-4426
Document Number	GR1153/7092
Book / Page	GR1153 / 7092
Instrument Date	Jun 25, 2020
Instrument	167787
Transaction Type	Transfer
Record Updated	May 31, 2021
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount on Record
Tax	$81.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 ELM ST, PANAMA, IL 62077-4426

Tax Assessment & Valuation

Source: Bond County assessment roll, as of January 1, 2024

Property Jurisdictions

Type	Name
State	Illinois
County	Bond County
County Subdivision	Shoal Creek Township
Municipality	Panama Village
Unified School District	Hillsboro Community Unit School District 3 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$1,972.00 Homeowner's exemption	$33,747 Land $916 Building $32,831	$101,241 Land $2,748 Building $98,493
2022	$1,547.00 Homeowner's exemption Senior Citizen's exemption	$31,900 Land $866 Building $31,034	$95,796 Land $2,601 Building $93,195

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

Flood

FEMA has no flood map on file for 120 Elm St.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 120 Elm St is low, with 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	PANAMA serves 343 people · EPA ID IL0054720
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2024
Lead	3 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	5 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	1,000 / 500
Wisper ISP Fixed Wireless	400 / 30
AT&T Fixed Wireless	25 / 3
T-Mobile Fixed Wireless	25 / 3
Frontier DSL	10 / 1

May also be available: Verizon.

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