1509 Oak St, Highland, IL 62249 Property Records

Madison County property record for 1509 Oak St, Highland, IL 62249

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 990 sqft · built 1950
Lot Size	0.149 acres (6,500 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (May 2021)
Tax Bill	$3,413 (2025)
Deeds & Mortgages	Mar 2022 Mortgage May 2021 Sale & Mortgage + 1 more
APN	`01-2-24-04-13-301-020`

Property Details

APN / Parcel Number

Primary APN	`01-2-24-04-13-301-020`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	990 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Lot Area	6,500 sqft (0.149 acres)
Lot Dimensions	130 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	1 sqft
Parking Spaces	2 Parking Spaces
Patio Area	51 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1509 OAK ST
City	HIGHLAND
State	IL
Zip	62249-2213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARIS JULES SUBD LOT 3 50X130
Legal Subdivision	PARIS JULES SUBD
Legal Lot Number	3
Jurisdiction	MADISON IL
Township / Civil Division	HELVETIA
Census Block Group	1
Census Block	1014
Census Tract	403604

Owner

1509 Oak St is owned and occupied by an individual who bought it in May 2021.

Source: Madison County records, as of June 25, 2026

Owner of Record	Individual Name on File
Mailing Address	1509 OAK ST, HIGHLAND, IL 62249-2213
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Mar 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage SCOTT CU
May 21, 2021	Limited Warranty Deed, Transfer · Conventional Mortgage SCOTT CU
Jan 25, 2021	Warranty Deed, Construction Loan · Construction Mortgage FCB BANKS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2021 · Amount on File
Deed Sale	May 21, 2021 · Amount on File
Prior Sale	Jan 25, 2021 · Amount on File
Deed Document Number	202121909
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	1509 OAK ST, HIGHLAND, IL 62249-2213
Transaction Type	Mortgage
Record Updated	Apr 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010679
Date	Mar 28, 2022
Instrument	2022R10679

Lender

Name	SCOTT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 30, 2042

Interest

Rate Type	Fixed Rate

May 2021: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	MADISON IL
Recording Date	May 21, 2021
Property Address	1509 OAK ST, HIGHLAND, IL 62249-2213
Document Number	0000021909
Map Reference	PB 10 PG 22
Instrument Date	May 13, 2021
Instrument	2021R21909
Transaction Type	Transfer
Record Updated	Jun 9, 2021
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$187.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1509 OAK ST, HIGHLAND, IL 62249-2213

Mortgage

Document Number	0000021910
Date	May 21, 2021
Instrument	2021R21910

Lender

Name	SCOTT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate

January 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Jan 25, 2021
Property Address	1509 OAK ST, HIGHLAND, IL 62249-2213
Document Number	0000003632
Map Reference	PB 10 PG 22
Instrument Date	Jan 18, 2021
Instrument	2021R03632
Transaction Type	Construction Loan
Record Updated	Apr 21, 2022
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$145.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	708 PIKE DR E, HIGHLAND, IL 62249-1751

Mortgage

Document Number	0000003633
Date	Jan 25, 2021
Instrument	2021R03633

Lender

Name	FCB BANKS

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1509 Oak St was $3,413 with a homeowner's exemption, up 7.6% from the year before.

Source: Madison County assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Madison County
County Subdivision	Helvetia Township
Municipality	Highland City
Unified School District	Highland Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,413.00 (+7.56%)	$51,620 Land $7,730 Building $43,890	$154,860 Land $23,190 Building $131,670
2024	$3,173.00
2022	$2,714.00	$40,670 Land $6,090 Building $34,580	$122,132 Land $18,288 Building $103,844

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 has no flood map on file for 1509 Oak St; 4 flood insurance policies are in force nearby.

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

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

The area around 1509 Oak St 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 277 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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