12955 Fessler Rd, Dow, IL 62022 Property Records

Jersey County property record for 12955 Fessler Rd, Dow, IL 62022

Property Summary

Property Type	Single Family Home
Details	1,690 sqft · built 1953
Lot Size	3.26 acres (142,006 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,798 (2025)
Deeds & Mortgages	Jul 2021 Refinance Dec 2018 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-230-001-00`

Property Details

APN / Parcel Number

Primary APN	`01-230-001-00`
Alternative APN	`230-001-00`

Interior

Stories	1 Story
Building Area	1,690 sqft Total Area

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Lot Area	142,006 sqft (3.26 acres)

Location & Zoning

Account Number	230-001-00
Street Address	12955 FESSLER RD
City	DOW
State	IL
Zip	62022-3423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUB DIV PT NW1/4 NE1/4 LOT 1. NO SALES 1953 1STY/PT BSMT 1690SQ
Legal Subdivision	S15, T6N, R11W OF 3RD PM
Legal Lot Number	1
Jurisdiction	JERSEY IL
Township / Civil Division	ELSAH
Census Block Group	3
Census Block	3000
Census Tract	10300

Owner

Source: Jersey County records, as of September 14, 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	12955 FESSLER RD, DOW, IL 62022-3423
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance JERSEY STATE BANK
Dec 17, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance GCS CU
Jul 31, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GCS CU
Sep 21, 2020	Warranty Deed, Transfer NOT AVAILABLE, JERSEY COUNTY TITLE COMPANY
Jun 26, 2019	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JERSEY IL
Property Address	12955 FESSLER RD, DOW, IL 62022-3423
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100165034
Date	Jul 27, 2021
Instrument	202100165034

Lender

Name	JERSEY STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2041

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JERSEY IL
Property Address	12955 FESSLER RD, DOW, IL 62022-3423
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800154804
Date	Dec 17, 2018
Instrument	201800154804

Lender

Name	GCS CU

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2044

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JERSEY IL
Property Address	12955 FESSLER RD, DOW, IL 62022-3423
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000160627
Date	Jul 31, 2020
Instrument	202000160627

Lender

Name	GCS CU

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JERSEY IL
Recording Date	Sep 21, 2020
Property Address	12955 FESSLER RD, DOW, IL 62022-3423
Document Number	202000161381
Instrument Date	Sep 17, 2020
Instrument	202000161381
Transaction Type	Transfer
Record Updated	May 19, 2023
Title Company	NOT AVAILABLE, JERSEY COUNTY TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1408 N JEFFERSON ST, LITCHFIELD, IL 62056-1140
Investor	Possibly a Property Investor

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	JERSEY IL
Recording Date	Jun 26, 2019
Property Address	12955 FESSLER RD, DOW, IL 62022-3423
Document Number	201900156437
Instrument Date	Jun 23, 2019
Instrument	201900156437
Transaction Type	Transfer
Record Updated	May 19, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23699 HOLLOW AVE, JERSEYVILLE, IL 62052-6247

Tax Assessment & Valuation

Source: Jersey County assessment roll, as of September 14, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Jersey County
County Subdivision	Elsah Township
Unified School District	Jersey Community Unit School District 100 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,798.00 (-2.06%)	$88,845 (+50.78%) Land $10,500 Building $78,345	$266,535 (+50.78%) Land $31,500 Building $235,035
2024	$4,899.00 (+41.67%)
2022	$3,458.00 Homeowner's exemption	$58,925 Land $8,790 Building $50,135	$176,775 Land $26,370 Building $150,405

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 April 2, 2009 · 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
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	229 (1979–2024)
Claims Outside the SFHA	12 of 229
Most Recent Claim	Jul 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jun 2019 · 22 claims Severe Storms & Flooding, Aug 1993 · 86 claims

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 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.02% 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30

May also be available: Verizon.

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