15278 Roberts Ln, Dow, IL 62022 Property Records

Jersey County property record for 15278 Roberts Ln, Dow, IL 62022

Property Summary

Property Type	Single Family Home
Details	2,763 sqft · built 2003
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$98,000 (Jun 2020)
Tax Bill	$7,125 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Dec 2025 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-286-001-06`

Property Details

APN / Parcel Number

Primary APN	`05-286-001-06`
Alternative APN	`286-001-06`

Interior

Stories	2 Stories
Building Area	2,763 sqft Total Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	43,560 sqft (1 acres)

Location & Zoning

Account Number	286-001-06
Street Address	15278 ROBERTS LN
City	DOW
State	IL
Zip	62022-3232
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAGLE CROSSINGS LOT 6 4-04 222K, 2-03 30K 2003 2STY/BSMT 2763SQ
Legal Subdivision	EAGLE CROSSING SUBDIVISION
Legal Lot Number	6
Jurisdiction	JERSEY IL
Township / Civil Division	MISSISSIPPI
Census Block Group	2
Census Block	2048
Census Tract	10300

Owner

Source: Jersey County records, as of October 14, 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	15278 ROBERTS LN, DOW, IL 62022-3232
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Dec 9, 2025	Quit Claim Deed, Transfer Quitclaim
Jan 23, 2017	Deed of Trust, Mortgage · Commercial Mortgage THEBANK OF EDWARDSVILLE
Jun 1, 2020	Warranty Deed, Transfer · Conventional Mortgage 1ST MIDAMERICA CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2020 · Amount on Record
Deed Sale	Jun 1, 2020 · Amount on Record
Deed Document Number	2020159843
Last Transfer Date	Nov 25, 2025
Transfer Doc	0000178729
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JERSEY IL
Recording Date	Sep 30, 2026
Property Address	15278 ROBERTS LN, DOW, IL 62022-3232
Document Number	0000181283
Instrument Date	Sep 25, 2026
Instrument	2026181283
Transaction Type	Mortgage
Record Updated	Oct 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15278 ROBERTS LN, DOW, IL 62022-3232

Mortgage

Document Number	0000181283,
Date	Sep 30, 2026
Instrument	2026181283

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JERSEY IL
Recording Date	Dec 9, 2025
Property Address	15278 ROBERTS LN, DOW, IL 62022-3232
Document Number	202500178729
Instrument Date	Nov 25, 2025
Instrument	202500178729
Transaction Type	Transfer
Record Updated	Feb 17, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15278 ROBERTS LN, DOW, IL 62022-3232

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JERSEY IL
Property Address	15278 ROBERTS LN, DOW, IL 62022-3232
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02044/0003
Date	Jan 23, 2017
Book Page	2044/0003
Instrument	201700148628

Lender

Name	THEBANK OF EDWARDSVILLE
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.75%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JERSEY IL
Recording Date	Jun 1, 2020
Property Address	15278 ROBERTS LN, DOW, IL 62022-3232
Document Number	202000159843
Instrument Date	May 29, 2020
Instrument	202000159843
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	311 N GIDDINGS AVE, JERSEYVILLE, IL 62052-1719

Mortgage

Document Number	202000159844
Date	Jun 1, 2020
Instrument	202000159844

Lender

Name	1ST MIDAMERICA CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	3.13%

Tax Assessment & Valuation

Source: Jersey County assessment roll, as of September 14, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Jersey County
County Subdivision	Mississippi Township
Unified School District	Jersey Community Unit School District 100 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,125.00 (-1.59%)	$123,575 (+1.5%) Land $13,245 Building $110,330	$370,725 (+1.5%) Land $39,735 Building $330,990
2024	$7,240.00 (+9.43%)	$121,750 (+17.7%) Land $13,050 Building $108,700	$365,250 (+17.7%) Land $39,150 Building $326,100
2022	$6,616.00	$103,445 Land $11,090 Building $92,355	$310,335 Land $33,270 Building $277,065

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 April 2, 2009 · 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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1985–1986)
Most Recent Claim	Oct 1986 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Oct 1986 · 2 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Grafton Technologies Fiber	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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