204 N Centennial St, Cobden, IL 62920 Property Records

Union County property record for 204 N Centennial St, Cobden, IL 62920

Property Summary

Property Type	Single Family Home
Lot Size	0.208 acres (9,098 sqft)
Owner	Individual Name on File
Last Sale	$66,666 (Dec 2020)
Tax Bill	$1,905 (2025)
Deeds & Mortgages	May 2020 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-00-10-102`

Property Details

APN / Parcel Number

Primary APN	`14-00-10-102`
Alternative APN	`04-30-260-003`

Exterior

Lot Area	9,098 sqft (0.208 acres)

Location & Zoning

Street Address	204 N CENTENNIAL ST
City	COBDEN
State	IL
Zip	62920-2125
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NW CR LOT 2 BLK B BUCK'S ADD.
Legal Subdivision	LK B BUCK'S ADD
Legal Block	B
Legal Lot Number	2
Jurisdiction	UNION IL
Township / Civil Division	COBDEN DISTRICT 2
Census Block Group	4
Census Block	4015
Census Tract	950100

Owner

204 N Centennial St is owned and occupied by an individual who bought it in December 2020.

Source: Union County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	204 N CENTENNIAL ST, COBDEN, IL 62920-2125
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
May 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Dec 14, 2020	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2020 · Amount on File
Deed Sale	Dec 14, 2020 · Amount on File
Deed Document Number	20202386
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION IL
Property Address	204 N CENTENNIAL ST, COBDEN, IL 62920-2125
Transaction Type	Mortgage
Record Updated	Apr 30, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02020R0843
Date	May 22, 2020
Instrument	2020R0843

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2035

Interest

Rate	3.37%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION IL
Recording Date	Dec 14, 2020
Property Address	204 N CENTENNIAL ST, COBDEN, IL 62920-2125
Document Number	02020R2386
Instrument Date	Dec 14, 2020
Instrument	2020R2386
Transaction Type	Transfer
Record Updated	Aug 5, 2022

Transaction

Amount	Amount on Record
Tax	$100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	204 N CENTENNIAL ST, COBDEN, IL 62920-2125

Mortgage

Document Number	02020R2387
Date	Dec 14, 2020
Instrument	2020R2387

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Interest

Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 204 N Centennial St was $1,905, up 1.1% from the year before.

Source: Union County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Cobden Village
County	Union County
Unified School District	Cobden School Unit District 17 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,905.00 (+1.06%)	$33,540 (+6.54%) Land $4,630 Building $28,910	$100,620 (+6.54%) Land $13,890 Building $86,730
2024	$1,885.00	$31,480 Land $4,350 Building $27,130	$94,440 Land $13,050 Building $81,390
2022	$1,747.00	$26,995 Land $3,733 Building $23,262	$80,985 Land $11,199 Building $69,786

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

FEMA maps place 204 N Centennial St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 2, 2008

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

Wildfire risk around 204 N Centennial St is low, with 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	COBDEN serves 1,267 people · EPA ID IL1810150
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Mediacom Xtream Cable	1,000 / 50
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

May also be available: BLIP Networks, ClearWave.

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