Madison County property record for 1305 Mercantile Dr, Highland, IL 62249
| Property Type | Fast Food Restaurant |
|---|---|
| Details | 2,784 sqft · built 1997 |
| Lot Size | 1.89 acres (82,328 sqft) |
| Owner | Company Name on File |
| Tax Bill | $36,250 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Mar 2024 Mortgage + 4 more |
| APN | 02-2-18-32-16-401-014 |
| Primary APN | 02-2-18-32-16-401-014 |
|---|
| Building Area | 2,784 sqft Total Area |
|---|
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Lot Area | 82,328 sqft (1.89 acres) |
| Lot Dimensions | 100 ft deep x 362 ft wide |
| Total Buildings | 2 Buildings |
| Street Address | 1305 MERCANTILE DR |
|---|---|
| City | HIGHLAND |
| State | IL |
| Zip | 62249-1265 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Fast Food Restaurant |
| Legal Description | WOODCREST PLAT 3 PART LOT 5 358 X 100 IRREGULAR |
| Legal Subdivision | WOODCREST PLAT THREE |
| Legal Lot Number | 5 |
| Jurisdiction | MADISON IL |
| Township / Civil Division | SALINE |
| Census Block Group | 1 |
| Census Block | 1065 |
| Census Tract | 403601 |
1305 Mercantile Dr, a commercial property, is owned by a company.
Source: Madison County records, as of June 25, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 467, HIGHLAND, IL 62249-0467 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 15, 2026 | Deed of Trust, Mortgage · Commercial Mortgage FCB BANK |
| Mar 13, 2024 | Deed of Trust, Mortgage · Commercial Mortgage FCB BANKS |
| Dec 26, 2023 | Deed of Trust, Mortgage · Commercial Mortgage FCB BANKS |
| Aug 8, 2019 | Grant Deed, Mortgage · Line of Credit FCB BK |
| Feb 21, 2019 | Grant Deed, Mortgage · Line of Credit FCB BK |
| May 18, 2018 | Loan Modification, Mortgage PROVIDENCE BK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IL |
| Recording Date | May 15, 2026 |
| Property Address | 1305 MERCANTILE DR, HIGHLAND, IL 62249-1265 |
| Document Number | 0000013980 |
| Instrument Date | May 14, 2026 |
| Instrument | 202613980 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000013980, |
|---|---|
| Date | May 15, 2026 |
| Instrument | 202613980 |
| Name | FCB BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IL |
| Property Address | 1305 MERCANTILE DR, HIGHLAND, IL 62249-1265 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000006537 |
|---|---|
| Date | Mar 13, 2024 |
| Instrument | 2024R06537 |
| Name | FCB BANKS |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IL |
| Property Address | 1305 MERCANTILE DR, HIGHLAND, IL 62249-1265 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000034248 |
|---|---|
| Date | Dec 26, 2023 |
| Instrument | 2023R34248 |
| Name | FCB BANKS |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MADISON IL |
| Recording Date | Aug 8, 2019 |
| Property Address | 1305 MERCANTILE DR, HIGHLAND, IL 62249-1265 |
| Instrument Date | Jul 30, 2019 |
| Instrument | 24906 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2019 |
| Title Company | COMMUNITY TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 467 HIGHLAND IL 622490467, HIGHLAND, IL 62249-0467 |
| Document Number | 0000024906 |
|---|---|
| Date | Aug 8, 2019 |
| Instrument | 24906 |
| Name | FCB BK |
|---|---|
| Type | Bank |
| Address | 111 WALNUT ST, HIGHLAND, IL 62249-1221 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MADISON IL |
| Recording Date | Feb 21, 2019 |
| Property Address | 1305 MERCANTILE DR, HIGHLAND, IL 62249-1265 |
| Instrument Date | Feb 13, 2019 |
| Instrument | 5678 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2019 |
| Title Company | COMMUNITY TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 467 HIGHLAND IL 622490467, HIGHLAND, IL 62249-0467 |
| Document Number | 0000005678 |
|---|---|
| Date | Feb 21, 2019 |
| Instrument | 5678 |
| Name | FCB BK |
|---|---|
| Type | Bank |
| Address | 111 WALNUT ST, HIGHLAND, IL 62249-1221 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MADISON IL |
| Recording Date | May 18, 2018 |
| Property Address | 1305 MERCANTILE DR, HIGHLAND, IL 62249-1265 |
| Instrument Date | May 14, 2018 |
| Instrument | 15238 |
| Transaction Type | Mortgage |
| Record Updated | May 29, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 467 HIGHLAND IL 622490467, HIGHLAND, IL 62249-0467 |
| Document Number | 0000015238 |
|---|---|
| Date | May 18, 2018 |
| Instrument | 15238 |
| Name | PROVIDENCE BK |
|---|---|
| Type | Bank |
| Address | 4600 N ILLINOIS ST, FAIRVIEW HEIGHTS, IL 62208-3407 |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 1305 Mercantile Dr was $36,250, up 7.3% from the year before.
Source: Madison County assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Madison County |
| County Subdivision | Saline Township |
| Municipality | Highland City |
| Unified School District | Highland Community Unit School District 5 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $36,250.00 (+7.25%) | $500,370 Land $104,680 Building $395,690 | $1,501,111 Land $314,040 Building $1,187,071 |
| 2024 | $33,799.00 | ||
| 2022 | $29,653.00 | $390,250 Land $81,640 Building $308,610 | $1,171,922 Land $245,165 Building $926,757 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 1305 Mercantile Dr; there have been 1 flood claim nearby since 2023.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (2023) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2023 · 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.
The area around 1305 Mercantile Dr has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HIGHLAND serves 10,674 people · EPA ID IL1190550 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 15 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.
Source: FCC Broadband Data Collection, based on 158 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Highland Communication Services Fiber | 2,500 / 2,500 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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