2045 E Clay St, Decatur, IL 62521 Property Records

Macon County property record for 2045 E Clay St, Decatur, IL 62521

Property Summary

Property Type	Single Family Home
Lot Size	0.177 acres (7,700 sqft)
Owner	Individual Name on File
Last Sale	$47,000 (Dec 2004)
Tax Bill	$902 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Nov 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`04-12-13-330-006`

Property Details

APN / Parcel Number

Primary APN	`04-12-13-330-006`
Alternative APN	`12-13-330-006`

Exterior

Lot Area	7,700 sqft (0.177 acres)
Lot Dimensions	50 ft deep x 154 ft wide

Location & Zoning

Account Number	041213330006
Street Address	2045 E CLAY ST
City	DECATUR
State	IL
Zip	62521-3139
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNICIPAL
Legal Description	L 0011 B 03 TERRACE GARDENS ADD 58 04 2 46 0119 000 00 154X50
Legal Subdivision	TERRACE GARDENS ADD
Jurisdiction	MACON IL
Township / Civil Division	DECATUR
Census Block Group	2
Census Block	2000
Census Tract	1200

Owner

Source: Macon County assessment roll, as of June 5, 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 File
Mailing Address	2045 E CLAY ST, DECATUR, IL 62521-3139
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2023	Warranty Deed, Transfer · Conventional Mortgage STALEY CU
Nov 15, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 1, 2004 · Amount on Record
Deed Sale	Dec 1, 2004 · Amount on Record
Last Transfer Date	Nov 14, 2022
Transfer Doc	0002004549
Record Updated	Sep 20, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON IL
Recording Date	Apr 14, 2023
Property Address	2045 E CLAY ST, DECATUR, IL 62521-3139
Document Number	004947/464
Book / Page	4947 / 464
Map Reference	BK 300 PG 83
Instrument Date	Apr 13, 2023
Instrument	2009900
Transaction Type	Transfer
Record Updated	May 3, 2023
Title Company	CENTRAL ILLINOIS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$67.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2045 E CLAY ST, DECATUR, IL 62521-3139

Mortgage

Document Number	0002009901
Date	Apr 14, 2023
Instrument	2009901

Lender

Name	STALEY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.13%

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MACON IL
Recording Date	Nov 15, 2022
Property Address	2045 E CLAY ST, DECATUR, IL 62521-3139
Document Number	004926/996
Book / Page	4926 / 996
Map Reference	BK 300 PG 83
Instrument Date	Nov 14, 2022
Instrument	2004549
Transaction Type	Transfer
Record Updated	Dec 7, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2045 E CLAY ST, DECATUR, IL 62521-3139

Tax Assessment & Valuation

Source: Macon County assessment roll, as of June 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Macon County
County Subdivision	Decatur Township
Municipality	Decatur City
Unified School District	Decatur School District 61 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$902.00	$15,667 Land $2,795 Building $12,872	$47,006 Land $8,386 Building $38,620

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 November 28, 2024

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	Not rated no burnable land within ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DECATUR serves 76,122 people · EPA ID IL1150150
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	Under 1 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 570 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile USA.

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