223 N Cedar Bluff Dr, Valmeyer, IL 62295 Property Records

Monroe County property record for 223 N Cedar Bluff Dr, Valmeyer, IL 62295

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,474 sqft · built 2004
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Jan 2026)
Tax Bill	$3,993 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Mar 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-35-481-268-000`

Property Details

APN / Parcel Number

Primary APN	`06-35-481-268-000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,474 sqft Living Area
1st Floor Area	1,474 sqft
Basement Area	1,474 sqft
Unfinished Basement	1,474 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Frame
Lot Area	16,553 sqft (0.38 acres)
Garage Area	484 sqft
Driveway	Concrete Driveway
Driveway Area	594 sqft

Exterior Amenities

Porch	Slab
Porch Area	100 sqft
Deck Area	240 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	223 N CEDAR BLUFF DR
City	VALMEYER
State	IL
Zip	62295-3240
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR1
Legal Description	LOT 268 NEW VALMEYER PHASE 5
Legal Range	11W
Legal Township	02S
Legal Section	35
Legal Subdivision	NEW VALMEYER PH 05
Legal Lot Number	268
Jurisdiction	MONROE IL
Township / Civil Division	20
Census Block Group	1
Census Block	1072
Census Tract	600402

Owner

Source: Monroe County records, as of October 13, 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	5315 GOSLING LN, FREEBURG, IL 62243-2634
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2026	Special Warranty Deed, Transfer · Conventional Mortgage CITIZENS COMMUNITY BANK
Mar 5, 2024	Deed of Trust, Mortgage · Line of Credit STATE BANK
Mar 31, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2026 · Amount on Record
Deed Sale	Jan 14, 2026 · Amount on Record
Prior Sale	Mar 31, 2020 · Amount on Record
Deed Document Number	2026440882
Record Updated	Oct 29, 2026

January 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jan 14, 2026
Property Address	223 N CEDAR BLUFF DR, VALMEYER, IL 62295-3240
Document Number	0000440882
Instrument Date	Jan 14, 2026
Instrument	440882
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$345.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	223 N CEDAR BLUFF DR, VALMEYER, IL 62295-3240

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	223 N CEDAR BLUFF DR, VALMEYER, IL 62295-3240

Mortgage

Document Number	0000440883
Date	Jan 14, 2026
Instrument	440883

Lender

Name	CITIZENS COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	223 N CEDAR BLUFF DR, VALMEYER, IL 62295-3240
Transaction Type	Mortgage
Record Updated	Mar 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000432325
Date	Mar 5, 2024
Instrument	432325

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Feb 24, 2039

Interest

Rate Type	Fixed Rate
Rate	7.86%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Mar 31, 2020
Property Address	223 N CEDAR BLUFF DR, VALMEYER, IL 62295-3240
Document Number	0000407016
Map Reference	MB 187 PG 756
Instrument Date	Mar 27, 2020
Instrument	407016
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Tax	$219.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2854 ROBERT DR, COLUMBIA, IL 62236-2674

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Municipality	Valmeyer Village
Unified School District	Valmeyer Community Unit School District 3 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,993.00 (-4.18%) Homeowner's exemption	$78,770 (-0.31%) Land $8,920 Building $69,850	$236,310 (-0.31%) Land $26,760 Building $209,550
2024	$4,167.00 Additional exemption filed	$79,017 (+38.92%) Land $9,420 Building $69,597	$237,051 (+38.92%) Land $28,260 Building $208,791
2022	Additional exemption filed	$56,880 Land $8,920 Building $47,960	$170,640 Land $26,760 Building $143,880

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 August 18, 2025 · 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
Flood Insurance Cost	Premium on Record median of 42 policies
Nearby Flood Policies	42 in force
Nearby Flood Claims	5 (1993–2013)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 3 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	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	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	VALMEYER serves 1,233 people · EPA ID IL1330250
Water Source	Purchased groundwater from FOUNTAIN WATER DISTRICT
Last State Inspection	Oct 2023
Lead	5 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 161 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Harrisonville Telephone Company Fiber · DSL	1,000 / 1,000
Spectrum Fiber	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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