207 S 3rd St, Cambridge, IL 61238 Property Records

Henry County property record for 207 S 3rd St, Cambridge, IL 61238

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1973
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$94,500 (Mar 2022)
Tax Bill	$2,879 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Sep 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-07-309-009`

Property Details

APN / Parcel Number

Primary APN	`18-07-309-009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Bungalow
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	159 ft deep x 80 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	207 S 3RD ST
City	CAMBRIDGE
State	IL
Zip	61238-1331
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 13 & N 5.75 VAC ST OF MASCALLS SUB OF BLK 2 OF LT 15 PILLSBURY ADD VILLAGE OF CAMBRIDGE
Legal Subdivision	PILLSBURY ADD
Legal Block	2
Legal Lot Number	13,15
Jurisdiction	HENRY IL
Township / Civil Division	CAMBRIDGE
Census Block Group	3
Census Block	3024
Census Tract	30202

Owner

207 S 3rd St is owned and occupied by an individual who bought it in March 2022.

Source: Henry County records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	207 S 3RD ST, CAMBRIDGE, IL 61238-1331
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
Mar 1, 2022	Warranty Deed, Transfer · FHA Mortgage OLD NATIONAL BANK
Sep 4, 2020	Deed of Trust, Mortgage · Line of Credit FARMERS NAT'L BK
Sep 6, 2019	Loan Modification, Mortgage BANKORION
Nov 30, 2018	Loan Modification, Mortgage BANKORION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 1, 2022 · Amount on File
Deed Sale	Mar 1, 2022 · Amount on File
Prior Sale	Mar 1, 2022 · Amount on File
Deed Document Number	20221240
Prior Transfer Date	Mar 28, 2013
Prior Transfer Doc	0000002163
Record Updated	Sep 20, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENRY IL
Recording Date	Mar 1, 2022
Property Address	207 S 3RD ST, CAMBRIDGE, IL 61238-1331
Document Number	0000001240
Instrument Date	Feb 20, 2022
Instrument	20-2201240
Transaction Type	Transfer
Record Updated	Mar 11, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$94.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001241
Date	Mar 1, 2022
Instrument	20-2201241

Lender

Name	OLD NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.75%

Mortgage

Document Number	0000001242
Date	Mar 1, 2022
Instrument	20-2201242

Lender

Name	UNITED STATES OF AMERICA
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENRY IL
Property Address	207 S 3RD ST, CAMBRIDGE, IL 61238-1331
Document Number	0000005896
Instrument Date	Sep 4, 2020
Transaction Type	Mortgage
Record Updated	Oct 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4654 N 1700TH AVE ORION IL 612739187, ORION, IL 61273-9187

Mortgage

Document Number	0000005896
Date	Sep 9, 2020
Instrument	5896

Lender

Name	FARMERS NAT'L BK
Type	Bank
Address	GENESEO, IL 61254

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Sep 8, 2035

Interest

Rate Type	Adjustable Rate

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HENRY IL
Property Address	207 S 3RD ST, CAMBRIDGE, IL 61238-1331
Document Number	0000004644
Instrument Date	Sep 6, 2019
Transaction Type	Mortgage
Record Updated	Oct 23, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	317 S SPRING ST GENESEO IL 612541452, GENESEO, IL 61254-1452

Mortgage

Document Number	0000004644
Date	Sep 11, 2019
Instrument	4644

Lender

Name	BANKORION
Type	Bank
Address	ORION, IL 61273

Agreement

Term	36 Months
Due	Sep 10, 2022

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HENRY IL
Property Address	207 S 3RD ST, CAMBRIDGE, IL 61238-1331
Document Number	0000006812
Instrument Date	Nov 30, 2018
Transaction Type	Mortgage
Record Updated	Jan 30, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	207 S 3RD ST CAMBRIDGE IL 612381331, CAMBRIDGE, IL 61238-1331

Mortgage

Document Number	0000006812
Date	Dec 13, 2018
Instrument	6812

Lender

Name	BANKORION
Type	Bank
Address	ORION, IL 61273

Agreement

Term	36 Months
Due	Dec 12, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 207 S 3rd St was $2,879 with a homeowner's exemption, up 7.4% from the year before.

Source: Henry County assessment roll, as of June 19, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Henry County
County Subdivision	Cambridge Township
Municipality	Cambridge Village
Unified School District	Cambridge Community Unit School District 227 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,879.00 (+7.43%) Homeowner's exemption	$37,933 (+4.7%) Land $5,059 Building $32,874	$113,799 (+4.7%) Land $15,177 Building $98,622
2024	$2,680.00	$36,230 Land $4,832 Building $31,398	$108,690 Land $14,496 Building $94,194
2022		$32,868 Land $4,384 Building $28,484	$98,604 Land $13,152 Building $85,452
2021	$2,748.00

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

FEMA maps place 207 S 3rd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 2, 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

Wildfire risk around 207 S 3rd St is low, with less than 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 95% of the US · lower than 70% of Illinois
Wildfire Likelihood	Under 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	CAMBRIDGE serves 2,086 people · EPA ID IL0730300
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	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	None 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 266 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cambridge Telcom Services Fiber · Fixed Wireless	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink.

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