204 E Main St, Saint Jacob, IL 62281 Property Records

Madison County property record for 204 E Main St, Saint Jacob, IL 62281

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,344 sqft · built 2023
Lot Size	0.18 acres (7,797 sqft)
Owner	Company Name on Record
Last Sale	$75,000 (Sep 2022)
Tax Bill	$4,322 (2025)
Deeds & Mortgages	Nov 2022 Construction Loan Sep 2022 Sale & Mortgage
APN	`05-2-23-09-20-404-012`

Property Details

APN / Parcel Number

Primary APN	`05-2-23-09-20-404-012`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,344 sqft Living Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	7,797 sqft (0.18 acres)
Lot Dimensions	156 ft deep x 50 ft wide
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	204 E MAIN ST
City	SAINT JACOB
State	IL
Zip	62281-1734
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL TOWN PT LOT 13 W PT LOT 14 & ADJ TRACT 52.02 X 157.16 X IRR
Legal Subdivision	ORIGINAL TOWN
Legal Tract	52.02
Legal Lot Number	12,13
Jurisdiction	MADISON IL
Township / Civil Division	ST. JACOB
Census Block Group	4
Census Block	4044
Census Tract	403702

Owner

Source: Madison County records, as of June 25, 2026

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

Owner of Record	Company Name on Record
Mailing Address	10725 US HIGHWAY 40, SAINT JACOB, IL 62281-1743
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2022	Deed of Trust, Mortgage · Construction Mortgage FCB BANKS
Sep 22, 2022	Warranty Deed, Transfer · Commercial Mortgage FCB BANKS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2022 · Amount on Record
Deed Sale	Sep 22, 2022 · Amount on Record
Prior Sale	Jun 25, 2007 · Amount on Record
Deed Document Number	202231118
Prior Transfer Date	Jun 22, 2007
Prior Transfer Doc	0000044496
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	204 E MAIN ST, SAINT JACOB, IL 62281-1734
Transaction Type	Mortgage
Record Updated	May 4, 2026
Title Company	ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000037330
Date	Nov 23, 2022
Instrument	2022R37330

Lender

Name	FCB BANKS
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Sep 22, 2022
Property Address	204 E MAIN ST, SAINT JACOB, IL 62281-1734
Document Number	0000031118
Map Reference	PB 3 PG 17
Instrument Date	Sep 8, 2022
Instrument	2022R31118
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$112.50
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	10725 US HIGHWAY 40, SAINT JACOB, IL 62281-1743
Investor	Possibly a Property Investor

Mortgage

Document Number	0000031119
Date	Sep 22, 2022
Instrument	2022R31119

Lender

Name	FCB BANKS

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Madison County assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Madison County
County Subdivision	St. Jacob Township
Municipality	St. Jacob Village
Unified School District	Triad Community Unit School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,322.00 (+1,052.53%)	$59,920 (+621.06%) Land $5,660 Building $54,260	$179,760 (+620.34%) Land $16,980 Building $162,780
2024	$375.00 (-42.13%)
2022	$648.00	$8,310 Land $8,310	$24,955 Land $24,955

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2013 · rainfall accumulation

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	Not rated no burnable land within 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	ST JACOB serves 2,008 people · EPA ID IL1190950
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2023
Lead	Under 1 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2019
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	6 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 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
HomeTel Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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