1508 Clover Rdg, Columbia, IL 62236 Property Records

Monroe County property record for 1508 Clover Rdg, Columbia, IL 62236

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 2,532 sqft · built 2006
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$602,508 (Oct 2023)
Tax Bill	$9,620 (2025)
Deeds & Mortgages	Nov 2025 Construction Loan Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-23-465-126-000`

Property Details

APN / Parcel Number

Primary APN	`04-23-465-126-000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	2,532 sqft Living Area
1st Floor Area	2,532 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Foundation Type	Raised
Lot Area	16,117 sqft (0.37 acres)
Garage Area	712 sqft
Driveway	Concrete Driveway
Driveway Area	1,688 sqft

Exterior Amenities

Porch	Slab
Porch Area	48 sqft
Deck Area	145 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1508 CLOVER RDG
City	COLUMBIA
State	IL
Zip	62236-3361
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR3
Legal Description	LOT 126 COUNTRY CROSSINGS PHASE III
Legal Range	10W
Legal Township	01S
Legal Section	23
Legal Subdivision	COUNTRY CROSSINGS
Legal Lot Number	126
Jurisdiction	MONROE IL
Township / Civil Division	3
Census Block Group	1
Census Block	1004
Census Tract	600102

Owner

1508 Clover Rdg is owned and occupied by two individuals who bought it in October 2023.

Source: Monroe 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	2 Individual Names on File
Mailing Address	1508 CLOVER RDG, COLUMBIA, IL 62236-3361
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2025	Deed of Trust, Mortgage · Construction Mortgage AMERICAN PACIFIC MTG CORP
Oct 24, 2023	Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Jan 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage BUENA VISTA NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2023 · Amount on File
Deed Sale	Oct 24, 2023 · Amount on File
Deed Document Number	2023430980
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1508 CLOVER RDG, COLUMBIA, IL 62236-3361
Transaction Type	Mortgage
Record Updated	Dec 10, 2025
Title Company	COMMUNITY TITLE AND ESCROW, COMMUNITY TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000440214
Date	Nov 25, 2025
Instrument	440214

Lender

Name	AMERICAN PACIFIC MTG CORP
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.13%

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE IL
Recording Date	Oct 24, 2023
Property Address	1508 CLOVER RDG, COLUMBIA, IL 62236-3361
Document Number	0000430980
Map Reference	DOC 282948
Instrument Date	Oct 20, 2023
Instrument	430980
Transaction Type	Transfer
Record Updated	Nov 15, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$904.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1352 PALMER CREEK DR, COLUMBIA, IL 62236-2779

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1508 CLOVER RDG, COLUMBIA, IL 62236-3361

Mortgage

Document Number	0000430981
Date	Oct 24, 2023
Instrument	430981

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	1508 CLOVER RDG, COLUMBIA, IL 62236-3361
Transaction Type	Mortgage
Record Updated	Feb 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000414604
Date	Jan 29, 2021
Instrument	414604

Lender

Name	BUENA VISTA NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2036

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1508 Clover Rdg was $9,620 with a homeowner's exemption, up 0.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Municipality	Columbia City
Unified School District	Columbia Community Unit School District 4 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,620.00 (+0.15%) Homeowner's exemption	$176,240 Land $19,990 Building $156,250	$528,720 Land $59,970 Building $468,750
2024	$9,606.00
2022	Additional exemption filed	$151,750 Land $16,490 Building $135,260	$455,250 Land $49,470 Building $405,780

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 1508 Clover Rdg in Zone X, an area of minimal flood risk, though there have been 46 flood claims nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · 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 File median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	46 (1993–2019)
Most Recent Claim	Jul 2019 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2019 · 3 claims Severe Storms & Flooding, Sep 1993 · 41 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

Wildfire risk around 1508 Clover Rdg 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 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	IL AMERICAN-EAST ST LOUIS private · serves 131,368 people · EPA ID IL1635040
Water Source	Surface water
Last State Inspection	Aug 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 64 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
Harrisonville Telephone Company DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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