121 E Olive St, Virden, IL 62690 Property Records

Macoupin County property record for 121 E Olive St, Virden, IL 62690

Property Summary

Property Type	Single Family Home
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$218,175 (Jul 2024)
Tax Bill	$2,149 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2020 Mortgage + 2 more
APN	`04-04-401-005`

Property Details

APN / Parcel Number

Primary APN	`04-04-401-005`
Alternative APN	`08-001-688-00`

Exterior

Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	180 ft deep x 50 ft wide

Location & Zoning

Street Address	121 E OLIVE ST
City	VIRDEN
State	IL
Zip	62690-1122
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 182 & 183 GELDERS SUBD 04-04-401-005
Legal Subdivision	GELDERS SUBD
Legal Lot Number	182-183
Jurisdiction	MACOUPIN IL
Township / Civil Division	VIRDEN
Census Block Group	1
Census Block	1018
Census Tract	956000

Owner

Source: Macoupin County records, as of July 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	121 E OLIVE ST, VIRDEN, IL 62690-1122
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2025	Deed of Trust, Mortgage · FHA Mortgage HEARTLAND BANK & TRUST CO
Aug 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Dec 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Jun 29, 2018	Deed of Trust, Mortgage · ARM UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2024 · Amount on Record
Deed Sale	Jul 23, 2024 · Amount on Record
Prior Sale	Oct 1, 2010 · Amount on Record
Deed Document Number	2024612462
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOUPIN IL
Property Address	121 E OLIVE ST, VIRDEN, IL 62690-1122
Transaction Type	Mortgage
Record Updated	Dec 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000621339
Date	Dec 9, 2025
Instrument	621339

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	344 Months
Due	Aug 1, 2054

Interest

Rate Type	Fixed Rate
Rate	7%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOUPIN IL
Property Address	121 E OLIVE ST, VIRDEN, IL 62690-1122
Transaction Type	Mortgage
Record Updated	Aug 19, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	584214
Date	Aug 6, 2020
Instrument	584214

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOUPIN IL
Property Address	121 E OLIVE ST, VIRDEN, IL 62690-1122
Transaction Type	Mortgage
Record Updated	Jan 16, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	572938
Date	Dec 31, 2018
Instrument	572938

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

Interest

Rate Type	Fixed Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACOUPIN IL
Property Address	121 E OLIVE ST, VIRDEN, IL 62690-1122
Transaction Type	Mortgage
Record Updated	Jul 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	569353
Date	Jun 29, 2018
Instrument	569353

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider

Tax Assessment & Valuation

Source: Macoupin County assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Macoupin County
County Subdivision	Virden Township
Municipality	Virden City
Unified School District	North Mac Community Unit School District 34 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,149.00 (+4.02%)	$33,125 (+7%) Land $6,716 Building $26,409	$99,375 (+7%) Land $20,148 Building $79,227
2024	$2,066.00 (+12.28%)	$30,958 (+15.56%) Land $6,277 Building $24,681	$92,874 (+15.56%) Land $18,831 Building $74,043
2022	$1,840.00 Homeowner's exemption	$26,790 Land $5,432 Building $21,358	$80,370 Land $16,296 Building $64,074

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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	VIRDEN serves 3,274 people · EPA ID IL1171100
Water Source	Purchased surface water from OTTER LAKE WATER COMMISSION
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2024–2026) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 284 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Royell Communications Fiber	7,000 / 7,000
Frontier Fiber	7,000 / 7,000
Sparklight Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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