221 E Short St, Loraine, IL 62349 Property Records

Adams County property record for 221 E Short St, Loraine, IL 62349

Property Summary

Property Type	Single Family Home
Lot Size	0.44 acres (18,960 sqft)
Owner	Individual Name on Record
Tax Bill	$13 (2024)
Deeds & Mortgages	Nov 2018 Mortgage Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`060052600000`

Property Details

APN / Parcel Number

Primary APN	`060052600000`

Exterior

Lot Area	18,960 sqft (0.44 acres)

Location & Zoning

Street Address	221 E SHORT ST
City	LORAINE
State	IL
Zip	62349-1015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 BLK 3 MAPLE ADDN LOTS 4 & 5
Legal Range	7W
Legal Township	2N
Legal Section	16
Legal Subdivision	MAPLE ADDN
Legal Block	3
Legal Lot Number	5,4
Jurisdiction	ADAMS IL
Township / Civil Division	KEENE
Census Block Group	2
Census Block	2063
Census Tract	10100

Owner

Source: Adams County records, as of May 4, 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 Record
Mailing Address	221 E SHORT ST, LORAINE, IL 62349-1015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANKERS TRUST CO
Nov 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANKERS TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IL
Property Address	221 E SHORT ST, LORAINE, IL 62349-1015
Transaction Type	Mortgage
Record Updated	Oct 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018R09040
Date	Nov 16, 2018
Instrument	2018R-09040

Lender

Name	FIRST BANKERS TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Nov 30, 2025

Interest

Rate Type	Fixed Rate

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IL
Property Address	221 E SHORT ST, LORAINE, IL 62349-1015
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018R09040
Date	Nov 16, 2018
Instrument	2018R-09040

Lender

Name	FIRST BANKERS TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Nov 30, 2025

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Adams County assessment roll, as of May 4, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Adams County
County Subdivision	Keene Township
Municipality	Loraine Village
Unified School District	Community Unit School District 4 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$29,310 (+21.97%) Land $3,010 Building $26,300	$87,930 (+21.97%) Land $9,030 Building $78,900
2024	$13.00 (-7.14%)
2022		$24,030 Land $2,470 Building $21,560	$72,090 Land $7,410 Building $64,680
2021	$14.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 23, 2018 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	4 (1993)
Most Recent Claim	Aug 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 4 claims

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	LORAINE serves 300 people · EPA ID IL0010450
Water Source	Purchased groundwater from CLAYTON-CAMP POINT WATER COMMISSION
Last State Inspection	Oct 2023
Lead	5 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator, with a treatment or procedure violation still open.

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	11 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Adams Telsystems Fiber	1,000 / 1,000
Nextlink Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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