221 Main St, Kempton, IL 60946 Property Records

Ford County property record for 221 Main St, Kempton, IL 60946

Property Summary

Property Type	Commercial
Details	3,695 sqft · built 1903
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$27,000 (Jul 2013)
Tax Bill	$1,241 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-02-06-128-006`

Property Details

APN / Parcel Number

Primary APN	`02-02-06-128-006`

Interior

Building Area	3,695 sqft Building Perimeter

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide

Location & Zoning

Street Address	221 MAIN ST
City	KEMPTON
State	IL
Zip	60946-4119
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	B-2
Legal Description	LOTS 5 & 6 BLK 1 O T KEMPTON 50 X 140 ZONING B-2
Legal Range	09E
Legal Township	28N
Legal Section	06
Legal Subdivision	CROSSWELL'S RESURVEY
Legal Block	1
Legal Lot Number	5,6
Jurisdiction	FORD IL
Township / Civil Division	MONA
Census Block Group	2
Census Block	2049
Census Tract	961600

Owner

Source: Ford County records, as of October 16, 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	321 E JEFFERY ST, CULLOM, IL 60929-7117
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage VERMILION VALLEY BANK
Nov 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage VERMILION VALLEY BANK
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage VERMILLION VALLEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2013 · Amount on Record
Deed Sale	Jul 26, 2013 · Amount on Record
Prior Sale	May 3, 2013
Deed Document Number	2013257725
Prior Transfer Date	Apr 24, 2013
Prior Transfer Doc	0000257177
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORD IL
Property Address	221 MAIN ST, KEMPTON, IL 60946-4119
Transaction Type	Mortgage
Record Updated	Jan 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000280219
Date	Nov 3, 2022
Instrument	280219

Lender

Name	VERMILION VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	144 Months
Due	Nov 1, 2034

Interest

Rate Type	Fixed Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORD IL
Property Address	221 MAIN ST, KEMPTON, IL 60946-4119
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000267737
Date	Nov 27, 2017
Instrument	267737

Lender

Name	VERMILION VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Dec 1, 2022

Interest

Rate Type	Fixed Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORD IL
Property Address	221 MAIN ST, KEMPTON, IL 60946-4119
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000275718
Date	Mar 8, 2021
Instrument	275718

Lender

Name	VERMILLION VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Mar 1, 2026

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Ford County assessment roll, as of October 16, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Ford County
County Subdivision	Mona Township
Municipality	Kempton Village
Unified School District	Tri-Point Community Unit School District 6-J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,241.00 (+28.47%)	$13,450 (+42.33%) Land $1,210 Building $12,240	$40,350 (+42.33%) Land $3,630 Building $36,720
2022	$966.00	$9,450 Land $850 Building $8,600	$28,350 Land $2,550 Building $25,800

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 May 22, 2022

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

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	KEMPTON serves 177 people · EPA ID IL0530150
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2025) action level 15 ppb
Copper	1.7 mg/L (2016–2018) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Apr 2019
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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Watch TV Fixed Wireless	100 / 20

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Main St

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