185 Spaulding Ave, Clifton, IL 60927 Property Records

Iroquois County property record for 185 Spaulding Ave, Clifton, IL 60927

Property Summary

Property Type	Single Family Home
Lot Size	0.197 acres (8,586 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (May 2023)
Tax Bill	$3,737 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10 03 253 013`

Property Details

APN / Parcel Number

Primary APN	`10 03 253 013`

Exterior

Lot Area	8,586 sqft (0.197 acres)

Location & Zoning

Street Address	185 SPAULDING AVE
City	CLIFTON
State	IL
Zip	60927-7210
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FITZGERALDS 2ND SD LT 58 HOWE'S ADD W2 LT 2 ALL 3 BLK 1
Legal Subdivision	FITZGERALDS 2ND SD
Legal Block	1
Legal Lot Number	2,58
Jurisdiction	IROQUOIS IL
Township / Civil Division	CHEBANSE
Census Block Group	3
Census Block	3027
Census Tract	950200

Owner

Source: Iroquois County records, as of July 17, 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	185 SPAULDING AVE, CLIFTON, IL 60927-7210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2023	Warranty Deed, Transfer · FHA Mortgage HOMETOWN LENDERS INC
Jul 19, 2021	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2023 · Amount on Record
Deed Sale	May 24, 2023 · Amount on Record
Prior Sale	Jul 19, 2021 · Amount on Record
Deed Document Number	20231492
Record Updated	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	May 24, 2023
Property Address	185 SPAULDING AVE, CLIFTON, IL 60927-7210
Document Number	00023R1492
Map Reference	MB E PG 88
Instrument Date	May 19, 2023
Instrument	23R1492
Transaction Type	Transfer
Record Updated	Jun 12, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 S LOWRY ST # ST4110, ST4110, SMYRNA, TN 37167-2522

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 SPAULDING AVE, CLIFTON, IL 60927-7210

Mortgage

Document Number	00023R1493
Date	May 24, 2023
Instrument	23R1493

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.75%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Jul 19, 2021
Property Address	185 SPAULDING AVE, CLIFTON, IL 60927-7210
Document Number	21R2788
Map Reference	MB E PG 88
Instrument Date	Jul 15, 2021
Instrument	21R2788
Transaction Type	Transfer
Record Updated	Aug 6, 2021
Title Company	COMMUNITIES TITLE COMPANY, COMMUNITY TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$162.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6898 S 7000W RD, 6898, CHEBANSE, IL 60922-5106

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	185 SPAULDING AVE, CLIFTON, IL 60927-7210

Mortgage

Document Number	21R2789
Date	Jul 19, 2021
Instrument	21R2789

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

Source: Iroquois County assessment roll, as of July 17, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Iroquois County
County Subdivision	Chebanse Township
Municipality	Clifton Village
Unified School District	Central Community Unit School District 4 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,737.00 (+21.77%)	$59,730 (+30.53%) Land $8,670 Building $51,060	$179,190 (+30.53%) Land $26,010 Building $153,180
2022	$3,069.00 Homeowner's exemption	$45,760 Land $6,640 Building $39,120	$137,280 Land $19,920 Building $117,360

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 August 16, 2011

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	CLIFTON serves 1,500 people · EPA ID IL0750250
Water Source	Groundwater
Last State Inspection	Sep 2023
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	27 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 157 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

May also be available: Nextlink, Watch TV.

Nearby Properties on Spaulding Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures