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

Randolph County property record for 157 W Mill St, Ruma, IL 62278

Property Summary

Property Type	Single Family Home
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$51,000 (May 2021)
Tax Bill	$3,176 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage May 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`13-149-020-00`

Property Details

APN / Parcel Number

Primary APN	`13-149-020-00`

Exterior

Lot Area	87,120 sqft (2 acres)

Location & Zoning

Street Address	157 W MILL ST
City	RUMA
State	IL
Zip	62278-2703
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	251/258 2021R02271 2021R03359 PT S1/2 SE SEC 32 T4 R8 IN RUMA
Legal Range	08
Legal Township	04
Legal Section	32
Jurisdiction	RANDOLPH IL
Township / Civil Division	RUMA
Census Block Group	2
Census Block	2035
Census Tract	950900

Owner

157 W Mill St is owned and occupied by two individuals who bought it in May 2021.

Source: Randolph County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	157 W MILL ST, RUMA, IL 62278-2703
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
Aug 18, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
May 26, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2021 · Amount on File
Deed Sale	May 26, 2021 · Amount on File
Deed Document Number	20212271
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RANDOLPH IL
Recording Date	Aug 18, 2021
Property Address	157 W MILL ST, RUMA, IL 62278-2703
Document Number	2021R03359
Map Reference	BK 216 PG 590
Instrument Date	Aug 6, 2021
Instrument	2021R03359
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	157 W MILL ST, RUMA, IL 62278-2703

Mortgage

Document Number	2021R03360
Date	Aug 18, 2021
Instrument	2021R03360

Lender

Name	GUARANTEED RATE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	2.99%

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RANDOLPH IL
Recording Date	May 26, 2021
Property Address	157 W MILL ST, RUMA, IL 62278-2703
Document Number	2021R02271
Map Reference	BK 216 PG 590
Instrument Date	May 21, 2021
Instrument	2021R02271
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount on Record
Tax	$76.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 W MILL ST, RUMA, IL 62278-2707

Tax Assessment & Valuation

The 2025 property tax bill for 157 W Mill St was $3,176 with a homeowner's exemption, up 7.3% from the year before.

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	$3,176.00 (+7.3%) Homeowner's exemption	$64,045 (+6.56%) Land $4,115 Building $59,930	$192,135 (+6.56%) Land $12,345 Building $179,790
2024	$2,960.00 Homeowner's exemption	$60,100 Land $3,860 Building $56,240	$180,300 Land $11,580 Building $168,720
2022	$2,542.00 Homeowner's exemption	$52,460 Land $3,370 Building $49,090	$157,380 Land $10,110 Building $147,270

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 157 W Mill St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1993.

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

Wildfire risk around 157 W Mill St 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	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

Nearby Properties on W Mill St

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