124 E Montgomery St, Niantic, IL 62551 Property Records

Macon County property record for 124 E Montgomery St, Niantic, IL 62551

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,040 sqft · built 1965
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$117,000 (Aug 2026)
Tax Bill	$2,031 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Dec 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-10-11-204-024`

Property Details

APN / Parcel Number

Primary APN	`13-10-11-204-024`
Alternative APN	`10-11-204-024`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Carport
Carport	Carport

Location & Zoning

Account Number	131011204024
Street Address	124 E MONTGOMERY ST
City	NIANTIC
State	IL
Zip	62551-4171
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNICIPAL
Legal Description	NOTTLEMANS SUBD PT LT 6 BEG 174 N OF SE COR W130.84 S6 E30.84 S168 E50 N168 E50 N6 TO POB
Legal Subdivision	NOTTLEMANS SUBD
Legal Lot Number	6
Jurisdiction	MACON IL
Township / Civil Division	NIANTIC
Census Block Group	3
Census Block	3004
Census Tract	2800

Owner

Source: Macon County records, as of September 11, 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	124 E MONTGOMERY ST, NIANTIC, IL 62551-4171
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2026	Warranty Deed, Transfer · FHA Mortgage CORNERSTONE MORTGAGE INC
Dec 13, 2023	Warranty Deed, Transfer · FHA Mortgage BUSEY BANK
Oct 1, 2019	Special Warranty Deed, Transfer
Jun 3, 2019	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2026 · Amount on Record
Deed Sale	Aug 6, 2026 · Amount on Record
Prior Sale	Dec 13, 2023 · Amount on Record
Deed Document Number	20269286
Prior Transfer Date	May 9, 2019
Prior Transfer Doc	4677/576
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON IL
Recording Date	Aug 6, 2026
Property Address	124 E MONTGOMERY ST, NIANTIC, IL 62551-4171
Document Number	0000009286
Instrument Date	Aug 5, 2026
Instrument	20269286
Transaction Type	Transfer
Record Updated	Aug 20, 2026
Title Company	CENTRAL ILLINOIS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$17,725.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 E MONTGOMERY ST, NIANTIC, IL 62551-4171

Mortgage

Document Number	0000009287,
Date	Aug 6, 2026
Instrument	20269287

Lender

Name	CORNERSTONE MORTGAGE INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON IL
Recording Date	Dec 13, 2023
Property Address	124 E MONTGOMERY ST, NIANTIC, IL 62551-4171
Document Number	004989/340
Book / Page	4989 / 340
Map Reference	BK 93 PG 3
Instrument Date	Dec 8, 2023
Instrument	2020028
Transaction Type	Transfer
Record Updated	Jan 3, 2024
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$129.00
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	124 E MONTGOMERY ST, NIANTIC, IL 62551-4171

Mortgage

Document Number	0002020029
Date	Dec 13, 2023
Instrument	2020029

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Fixed Rate
Rate	7.5%

Mortgage

Document Number	004989/357
Date	Dec 13, 2023
Book Page	4989/357
Instrument	2020030

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	72 Months
Due	Jan 1, 2029

October 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MACON IL
Recording Date	Oct 1, 2019
Property Address	124 E MONTGOMERY ST, NIANTIC, IL 62551-4171
Document Number	4700/546
Book / Page	4700 / 546
Map Reference	PB 93 PG 3
Instrument Date	Sep 6, 2019
Instrument	1951914
Transaction Type	Transfer
Record Updated	May 31, 2021

Transaction

Amount	Amount Recorded
Tax	$64.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	635 WOODWARD AVE, 635, DETROIT, MI 48226-3408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 N MAIN ST, NIANTIC, IL 62551-4012

June 2019: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	MACON IL
Recording Date	Jun 3, 2019
Property Address	124 E MONTGOMERY ST, NIANTIC, IL 62551-4171
Document Number	4677/576
Book / Page	4677 / 576
Map Reference	PB 93 PG 3
Instrument Date	May 9, 2019
Instrument	1946426
Transaction Type	Foreclosure
Record Updated	May 31, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1050 WOODWARD AVE, DETROIT, MI 48226-3573

Tax Assessment & Valuation

Source: Macon County assessment roll, as of June 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Macon County
County Subdivision	Niantic Township
Municipality	Niantic Village
Unified School District	Sangamon Valley Community Unit School District 9 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,031.00 (-0.88%)	$30,376 (+28.25%) Land $1,906 Building $28,470	$91,138 (+28.25%) Land $5,719 Building $85,419
2022	$2,049.00	$23,685 Land $1,649 Building $22,036	$71,062 Land $4,947 Building $66,115

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 November 28, 2024

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 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	EJ WATER-NIANTIC serves 648 people · EPA ID IL1150400
Water Source	Purchased groundwater from UNITED REGIONAL WATER COOP
Last State Inspection	Jan 2024
Lead	2 ppb (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	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 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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