151 Point Bluff Dr, Decatur, IL 62521 Property Records

Macon County property record for 151 Point Bluff Dr, Decatur, IL 62521

Property Summary

Property Type	Single Family Home
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$197,000 (Apr 2025)
Tax Bill	$4,662 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-12-26-254-020`

Property Details

APN / Parcel Number

Primary APN	`04-12-26-254-020`
Alternative APN	`12-26-254-020`

Exterior

Lot Area	14,375 sqft (0.33 acres)

Location & Zoning

Account Number	041226254020
Street Address	151 POINT BLUFF DR
City	DECATUR
State	IL
Zip	62521-5505
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNICIPAL
Legal Description	L 0056 B 00 SOUTH SHORES 20THADD IRREG
Legal Subdivision	SOUTH SHORES 20THADD
Jurisdiction	MACON IL
Township / Civil Division	DECATUR
Census Block Group	1
Census Block	1025
Census Tract	1300

Owner

Source: Macon County records, as of August 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	151 POINT BLUFF DR, DECATUR, IL 62521-5505
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 14, 2020	Warranty Deed, Transfer · Conventional Mortgage IH MISSISSIPPI VALLEY CU
May 17, 2019	Warranty Deed, Transfer · Conventional Mortgage PRAIRIE STATE BANK & TRUST
Jun 1, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST MID ILLINOIS BK & TR NA
Apr 25, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2025 · Amount on Record
Deed Sale	Apr 25, 2025 · Amount on Record
Prior Sale	Sep 14, 2020 · Amount on Record
Deed Document Number	20254294
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON IL
Recording Date	Jul 31, 2026
Property Address	151 POINT BLUFF DR, DECATUR, IL 62521-5505
Document Number	0000008926
Instrument Date	Jul 27, 2026
Instrument	20268926
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	151 POINT BLUFF DR, DECATUR, IL 62521-5505

Mortgage

Document Number	0000008926,
Date	Jul 31, 2026
Instrument	20268926

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2046

Interest

Rate Type	Fixed Rate
Rate	5.99%
Initial Type	Fixed Rate
Max Rate	-1%

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON IL
Recording Date	Sep 14, 2020
Property Address	151 POINT BLUFF DR, DECATUR, IL 62521-5505
Document Number	4767/681
Book / Page	4767 / 681
Map Reference	PB 300 PG 365
Instrument Date	Sep 3, 2020
Instrument	1966904
Transaction Type	Transfer
Record Updated	May 31, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	151 POINT BLUFF DR, DECATUR, IL 62521-5505

Mortgage

Document Number	004767/683
Date	Sep 14, 2020
Book Page	4767/683
Instrument	1966905

Lender

Name	IH MISSISSIPPI VALLEY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON IL
Recording Date	May 17, 2019
Property Address	151 POINT BLUFF DR, DECATUR, IL 62521-5505
Document Number	004675/602
Book / Page	4675 / 602
Map Reference	PB 300 PG 365
Instrument Date	May 17, 2019
Instrument	1945881
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$219.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	151 POINT BLUFF DR, DECATUR, IL 62521-5505

Mortgage

Document Number	004675/603
Date	May 17, 2019
Book Page	4675/603
Instrument	1945882

Lender

Name	PRAIRIE STATE BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

Interest

Rate Type	Fixed Rate

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON IL
Recording Date	Jun 1, 2018
Property Address	151 POINT BLUFF DR, DECATUR, IL 62521-5505
Document Number	4624/362
Book / Page	4624 / 362
Map Reference	PB300 PG365
Instrument Date	May 30, 2018
Instrument	1933792
Transaction Type	Transfer
Record Updated	May 31, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$199.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	151 POINT BLUFF DR, DECATUR, IL 62521-5505

Mortgage

Document Number	004624/363
Date	Jun 1, 2018
Book Page	4624/363
Instrument	1933793

Lender

Name	FIRST MID ILLINOIS BK & TR NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

Interest

Rate Type	Fixed Rate

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MACON IL
Recording Date	Apr 25, 2017
Property Address	151 POINT BLUFF DR, DECATUR, IL 62521-5505
Document Number	4557/850
Book / Page	4557 / 850
Map Reference	PL 300 PG 365
Instrument Date	Apr 24, 2017
Instrument	1917890
Transaction Type	Transfer
Record Updated	May 31, 2021

Transaction

Amount	Amount Recorded
Tax	$99.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1736 MOUNDFORD CT, DECATUR, IL 62526-2822

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Macon County
County Subdivision	Decatur Township
Municipality	Decatur City
Unified School District	Decatur School District 61 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,662.00	$55,962 Land $9,277 Building $46,685	$167,903 Land $27,834 Building $140,069

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

Source: FEMA National Flood Hazard Layer, effective November 28, 2024 · 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	1 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

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	DECATUR serves 76,122 people · EPA ID IL1150150
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	Under 1 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 455 locations within half a mile, as of December 31, 2025

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

May also be available: Shawnee Communications.

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