12840 Carter Rd, Pekin, IL 61554 Property Records

Tazewell County property record for 12840 Carter Rd, Pekin, IL 61554

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,581 sqft · built 1975
Lot Size	0.876 acres (43,264 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,531 (2024)
Deeds & Mortgages	Oct 2017 Mortgage Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-10-28-202-006`

Property Details

APN / Parcel Number

Primary APN	`10-10-28-202-006`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,581 sqft Living Area
Gross Area	4,643 sqft
1st Floor Area	1,581 sqft
Basement Area	1,531 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Roof Material	Composition Shingle
Lot Area	43,264 sqft (0.876 acres)
Lot Dimensions	208 ft deep x 208 ft wide
Garage Type	Detached
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	12840 CARTER RD
City	PEKIN
State	IL
Zip	61554-8478
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 28 T24N R5W GARMANS 2ND SUBD LOT 43 NE 1/4
Legal Range	05W
Legal Township	24N
Legal Section	28
Legal Subdivision	GARMANS 2ND SUBD
Legal Block	202
Legal Lot Number	43
Jurisdiction	TAZEWELL IL
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2048
Census Tract	21801

Owner

Source: Tazewell County records, as of April 28, 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	12840 CARTER RD, PEKIN, IL 61554-8478
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
Aug 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
Jul 29, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAZEWELL IL
Property Address	12840 CARTER RD, PEKIN, IL 61554-8478
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015071
Date	Oct 4, 2017
Instrument	201700015071

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Min Rate At Change	3.99%
Max Rate At Change	20%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAZEWELL IL
Property Address	12840 CARTER RD, PEKIN, IL 61554-8478
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011936
Date	Aug 29, 2018
Instrument	201800011936

Lender

Name	COMMERCE BANK
Type	Bank
Address	IL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 9, 2028

Interest

Rate Type	Fixed Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TAZEWELL IL
Property Address	12840 CARTER RD, PEKIN, IL 61554-8478
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011192
Date	Jul 29, 2020
Instrument	202000011192

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	144 Months
Due	Jul 14, 2032

Tax Assessment & Valuation

Source: Tazewell County assessment roll, as of April 8, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Tazewell County
County Subdivision	Cincinnati Township
Secondary School District	Pekin Community High School District 303 (09 - 12)
Elementary School District	South Pekin School District 137 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$44,530 (+16.18%) Land $5,650 Building $38,880	$133,590 (+16.18%) Land $16,950 Building $116,640
2024	$1,531.00 (-22.68%)
2023	$1,980.00	$38,330 Land $4,860 Building $33,470	$114,990 Land $14,580 Building $100,410

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 July 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1979–1982)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Dec 1982 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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