148 W Mill St, Ruma (Red Bud), IL 62278 Property Records

Randolph County property record for 148 W Mill St, Ruma, IL 62278

Property Summary

Property Type	Single Family Home
Lot Size	1.08 acres (47,045 sqft)
Owner	Individual Name on Record
Tax Bill	$2,780 (2025)
Deeds & Mortgages	May 2019 Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-150-106-00`

Property Details

APN / Parcel Number

Primary APN	`13-150-106-00`

Exterior

Lot Area	47,045 sqft (1.08 acres)

Location & Zoning

Street Address	148 W MILL ST
City	RUMA
State	IL
Zip	62278-2702
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	573/506 2015R02297 2020R03182 LOTS 2 & 3 ELK VIEW ESTATES PT NW NE SEC 5 T5 R8 VILLAGE OF RUMA
Legal Range	08
Legal Township	05
Legal Section	05
Legal Subdivision	ELK VIEW ESTATES
Legal Lot Number	2,3
Jurisdiction	RANDOLPH IL
Township / Civil Division	RUMA
Census Block Group	2
Census Block	2037
Census Tract	950900

Owner

Source: Randolph County records, as of October 13, 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	Individual Name on Record
Mailing Address	148 W MILL ST, RUMA, IL 62278-2702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage NORTH COUNTY SAVINGS BANK
Sep 3, 2020	Quit Claim Deed, Transfer · Conventional Mortgage NORTH COUNTY SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 31, 2020
Transfer Doc	0000003182
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANDOLPH IL
Property Address	148 W MILL ST, RUMA, IL 62278-2702
Transaction Type	Mortgage
Record Updated	Nov 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R01504
Date	May 20, 2019
Instrument	2019R01504

Lender

Name	NORTH COUNTY SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 20, 2024

Interest

Rate Type	Fixed Rate

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RANDOLPH IL
Recording Date	Sep 3, 2020
Property Address	148 W MILL ST, RUMA, IL 62278-2702
Document Number	2020R03182
Map Reference	PC 6 JAC 78
Instrument Date	Aug 31, 2020
Instrument	2020R03182
Transaction Type	Transfer
Record Updated	Nov 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	148 W MILL ST, RUMA, IL 62278-2702

Mortgage

Document Number	2020R03183
Date	Sep 3, 2020
Instrument	2020R03183

Lender

Name	NORTH COUNTY SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

Source: Randolph County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Randolph County
Municipality	Ruma Village
Unified School District	Red Bud Community Unit School District 132 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,780.00 (+7.71%) Homeowner's exemption	$56,815 (+6.84%) Land $7,970 Building $48,845	$170,445 (+6.84%) Land $23,910 Building $146,535
2024	$2,581.00 (+16.26%) Homeowner's exemption	$53,180 (+14.19%) Land $7,460 Building $45,720	$159,540 (+14.19%) Land $22,380 Building $137,160
2022	$2,220.00 Homeowner's exemption	$46,570 Land $6,535 Building $40,035	$139,710 Land $19,605 Building $120,105

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 August 18, 2022 · 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 Policies	4 in force
Nearby Flood Claims	3 (1993)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Aug 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 3 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 99.1% of the US · lower than 94% 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	PRAIRIE DU ROCHER serves 759 people · EPA ID IL1570400
Water Source	Purchased groundwater from RUMA
Last State Inspection	Oct 2024
Lead	7 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Harrisonville Telephone Company DSL	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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