2198 Gary Ct, Decatur, IL 62526 Property Records

Macon County property record for 2198 Gary Ct, Decatur, IL 62526

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,666 sqft · built 1965
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$187,000 (May 2026)
Tax Bill	$4,830 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-12-05-476-006`

Property Details

APN / Parcel Number

Primary APN	`04-12-05-476-006`
Alternative APN	`12-05-476-006`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,666 sqft Living Area
1st Floor Area	1,666 sqft
Basement Area	1,666 sqft
Finished Basement	1,666 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Wood
Construction Type	Frame
Lot Area	8,276 sqft (0.19 acres)
Garage Area	467 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	041205476006
Street Address	2198 GARY CT
City	DECATUR
State	IL
Zip	62526-3002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNICIPAL
Legal Description	HOME PARK MANOR LOT 4 IRREG
Legal Range	02E
Legal Township	16N
Legal Section	05
Legal Subdivision	HOME PARK MANOR
Legal Lot Number	4
Jurisdiction	MACON IL
Township / Civil Division	DECATUR
Census Block Group	1
Census Block	1000
Census Tract	1801

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	616 E HAYS AVE, DECATUR, IL 62526-2459
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Warranty Deed, Transfer · Conventional Mortgage CEFCU
May 12, 2026	Warranty Deed, Transfer · Conventional Mortgage CEFCU
Aug 22, 2022	Warranty Deed, Transfer · FHA Mortgage CIBM BANK
Jun 21, 2017	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2026 · Amount on Record
Deed Sale	May 12, 2026 · Amount on Record
Prior Sale	Aug 22, 2022 · Amount on Record
Deed Document Number	20265159
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON IL
Recording Date	May 12, 2026
Property Address	2198 GARY CT, DECATUR, IL 62526-3002
Document Number	0000005159
Instrument Date	May 8, 2026
Instrument	2026.5159
Transaction Type	Transfer
Record Updated	May 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28,330.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	616 E HAYS AVE, DECATUR, IL 62526-2459

Mortgage

Document Number	0000005159,
Date	May 12, 2026
Instrument	2026.5159

Lender

Name	CEFCU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.75%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON IL
Recording Date	May 12, 2026
Property Address	2198 GARY CT, DECATUR, IL 62526-3002
Document Number	2026R005159
Instrument Date	May 8, 2026
Instrument	20265159
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28,330.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	616 E HAYS AVE, DECATUR, IL 62526-2459

Mortgage

Document Number	0000005159,
Date	May 12, 2026
Instrument	20265159

Lender

Name	CEFCU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON IL
Recording Date	Aug 22, 2022
Property Address	2198 GARY CT, DECATUR, IL 62526-3002
Document Number	004912/174
Book / Page	4912 / 174
Map Reference	BK 1405 PG 64
Instrument Date	Aug 2, 2022
Instrument	2000411
Transaction Type	Transfer
Record Updated	Sep 7, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$213.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2198 GARY CT, DECATUR, IL 62526-3002

Mortgage

Document Number	20004124912175
Date	Aug 22, 2022
Instrument	20004124912175

Lender

Name	CIBM BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate	5.13%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON IL
Recording Date	Jun 21, 2017
Property Address	2198 GARY CT, DECATUR, IL 62526-3002
Document Number	4568/927
Book / Page	4568 / 927
Map Reference	MB 1405 PG 64
Instrument Date	Jun 20, 2017
Instrument	1920425
Transaction Type	Transfer
Record Updated	May 31, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$157.50
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	004568/928
Date	Jun 21, 2017
Book Page	4568/928
Instrument	1920426

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

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	$4,830.00	$57,762 Land $7,238 Building $50,524	$173,303 Land $21,716 Building $151,587

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 · 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
Nearby Flood Claims	1 (1983)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 1983 · tidal / storm surge

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 99.1% of the US · lower than 94% 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	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 517 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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