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1305 E Locust St, Decatur, IL 62521 Property Records

Macon County property record for 1305 E Locust St, Decatur, IL 62521

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,076 sqft · built 1924
Lot Size0.14 acres (6,080 sqft)
OwnerCompany Name on File
Tax Bill$695 (2025)
Deeds & MortgagesApr 2023 Sale & Mortgage
Jul 2022 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN04-12-11-281-001

Property Details

APN / Parcel Number

Primary APN04-12-11-281-001
Alternative APN
  • 12-11-281-001

Interior

Full Baths2 Baths
Stories2 Stories
Building Area1,076 sqft Living Area
1st Floor Area1,076 sqft
Basement Area1,076 sqft
Unfinished Basement1,076 sqft

Exterior

Year BuiltBuilt 1924
Effective Year BuiltEffective 1924
Exterior MaterialWood
Construction TypeFrame
Lot Area6,080 sqft (0.14 acres)
Lot Dimensions40 ft deep x 152 ft wide
Garage TypeDetached
Garage Area440 sqft
PorchSlab
Porch Area116 sqft

Location & Zoning

Account Number041211281001
Street Address1305 E LOCUST ST
CityDECATUR
StateIL
Zip62521-1433
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeMUNICIPAL
Legal DescriptionPOWERS 4TH ADD LT 9 B LK 2 152X40
Legal Range02E
Legal Township16N
Legal Section11
Legal SubdivisionPOWERS FOURTH ADD
Legal Lot Number9
JurisdictionMACON IL
Township / Civil DivisionDECATUR
Census Block Group1
Census Block1016
Census Tract900

Owner

1305 E Locust St is owned by a company that acquired it in April 2023.

Source: Macon County records, as of August 5, 2026

Owner of RecordCompany Name on File
Mailing Address2665 S BAYSHORE DR, MIAMI, FL 33133-5448
Owner TypeCompany
VestingCompany

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

DateDocument
Apr 11, 2023Warranty Deed, Transfer · Commercial Mortgage
IROCK LOANS LLC
Jul 26, 2022Warranty Deed, Transfer · Commercial Mortgage
IROCK LOANS LLC
Nov 19, 2019Quit Claim Deed, Transfer · Conventional Mortgage
LAND OF LINCOLN CU

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 11, 2023
Deed SaleApr 11, 2023
Prior SaleJul 26, 2022 · Amount on File
Deed Document Number20232009800
Deed Book / Page4947 / 88
Prior Transfer DateNov 18, 2019
Prior Transfer Doc004709/900
Record UpdatedSep 20, 2026

April 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMACON IL
Recording DateApr 11, 2023
Property Address1305 E LOCUST ST, DECATUR, IL 62521-1433
Document Number0004947/88
Book / Page4947 / 88
Map ReferenceBK 22 PG 116
Instrument DateApr 5, 2023
Instrument2009800
Transaction TypeTransfer
Record UpdatedApr 26, 2023

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$427.50
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2665 S BAYSHORE DR STE 220, 220, MIAMI, FL 33133-5402

Mortgage

Document Number0002009801
DateApr 11, 2023
Instrument2009801
Lender
NameIROCK LOANS LLC
TypeFunding / Finance Company
Agreement
TypeCommercial Mortgage
AmountAmount on Record
Term11 Months
DueMar 23, 2024

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMACON IL
Recording DateJul 26, 2022
Property Address1305 E LOCUST ST, DECATUR, IL 62521-1433
Document Number004907/450
Book / Page4907 / 450
Map ReferenceBK 149 PG 70
Instrument DateJun 28, 2022
Instrument1999180
Transaction TypeTransfer
Record UpdatedAug 10, 2022

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$120.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3309 NE 33RD ST, FORT LAUDERDALE, FL 33308-7109
InvestorPossibly a Property Investor

Mortgage

Document Number19991814907453
DateJul 26, 2022
Instrument19991814907453
Lender
NameIROCK LOANS LLC
Agreement
TypeCommercial Mortgage
AmountAmount on Record

November 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionMACON IL
Recording DateNov 19, 2019
Property Address1305 E LOCUST ST, DECATUR, IL 62521-1433
Document Number4709/900
Book / Page4709 / 900
Map ReferencePB 149 PG 70
Instrument DateNov 18, 2019
Instrument1954089
Transaction TypeTransfer
Record UpdatedMay 31, 2021

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$24.75
Amount AccuracyCalculated from Transfer Tax
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2936 E CARDINAL DR, DECATUR, IL 62526-2266

Mortgage

Document Number004709/901
DateNov 19, 2019
Book Page4709/901
Instrument1954090
Lender
NameLAND OF LINCOLN CU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term60 Months
DueNov 30, 2024
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1305 E Locust St was $695, up 3.4% from the year before.

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

Property Jurisdictions

TypeName
StateIllinois
CountyMacon County
County SubdivisionDecatur Township
MunicipalityDecatur City
Unified School DistrictDecatur School District 61 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$695.00 (+3.42%)$7,450 (+7.27%) Land $469 Building $6,981$22,352 (+7.27%) Land $1,407 Building $20,945
2024$672.00$6,945 Land $437 Building $6,508$20,837 Land $1,311 Building $19,526

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

Flood

FEMA maps place 1305 E Locust St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 28, 2024

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

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

Wildfire

Wildfire risk around 1305 E Locust St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 94% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemDECATUR
serves 76,122 people · EPA ID IL1150150
Water SourceSurface water
Last State InspectionDec 2023
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 590 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
DSL		100 / 20

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