203 E North St, Loraine, IL 62349 Property Records

Adams County property record for 203 E North St, Loraine, IL 62349

Property Summary

Property Type	Single Family Home
Lot Size	0.33 acres (14,525 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Oct 2025)
Tax Bill	$2,991 (2024)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`060045100000`

Property Details

APN / Parcel Number

Primary APN	`060045100000`

Exterior

Lot Area	14,525 sqft (0.33 acres)

Location & Zoning

Street Address	203 E NORTH ST
City	LORAINE
State	IL
Zip	62349-1058
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 BLK 2 HART ADD LOTS 3 & 4
Legal Range	7W
Legal Township	2N
Legal Section	16
Legal Subdivision	HART ADD
Legal Block	2
Legal Lot Number	4,3
Jurisdiction	ADAMS IL
Township / Civil Division	KEENE
Census Block Group	2
Census Block	2062
Census Tract	10100

Owner

Source: Adams County records, as of August 21, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	203 E NORTH ST, LORAINE, IL 62349-1058
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2025	Warranty Deed, Transfer · Conventional Mortgage COMPEER FINANCIAL FLCA
Jun 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2025 · Amount on Record
Deed Sale	Oct 22, 2025 · Amount on Record
Deed Document Number	20256337
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAMS IL
Recording Date	Oct 22, 2025
Property Address	203 E NORTH ST, LORAINE, IL 62349-1058
Document Number	2025R06337
Instrument Date	Oct 15, 2025
Instrument	2025R-06337
Transaction Type	Transfer
Record Updated	Nov 5, 2025
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1784 N 2700TH AVE, LORAINE, IL 62349-3204

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 E NORTH ST, LORAINE, IL 62349-1058

Mortgage

Document Number	2025R06338
Date	Oct 22, 2025
Instrument	2025R-06338

Lender

Name	COMPEER FINANCIAL FLCA
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Fixed Rate
Rate	7.25%

Mortgage

Document Number	2025R06339
Date	Oct 22, 2025
Instrument	2025R-06339

Lender

Name	COMPEER FINANCIAL PCA
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2035

Interest

Rate Type	Fixed Rate
Rate	7.1%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IL
Property Address	203 E NORTH ST, LORAINE, IL 62349-1058
Transaction Type	Mortgage
Record Updated	Oct 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018R04980
Date	Jun 27, 2018
Instrument	2018R-04980

Lender

Name	CENTRAL STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2033

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Adams County assessment roll, as of May 4, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Adams County
County Subdivision	Keene Township
Municipality	Loraine Village
Unified School District	Community Unit School District 4 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$47,070 (+8.01%) Land $2,700 Building $44,370	$141,210 (+8.01%) Land $8,100 Building $133,110
2024	$2,991.00 (+19.98%)	$43,580 (+12.96%) Land $2,500 Building $41,080	$130,740 (+12.96%) Land $7,500 Building $123,240
2022		$38,580 Land $2,210 Building $36,370	$115,740 Land $6,630 Building $109,110
2021	$2,493.00

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 July 23, 2018 · 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 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	4 (1993)
Most Recent Claim	Aug 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 4 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 97% of the US · lower than 79% 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	LORAINE serves 300 people · EPA ID IL0010450
Water Source	Purchased groundwater from CLAYTON-CAMP POINT WATER COMMISSION
Last State Inspection	Oct 2023
Lead	5 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator, with a treatment or procedure violation still open.

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	11 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Adams Telsystems Fiber	1,000 / 1,000
Nextlink Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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