Madison County property record for 225 Ranchero Dr, Hamel, IL 62046
| Property Type | Redevelopment Agency or Zone |
|---|---|
| Lot Size | 0.227 acres (9,900 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $390,000 (Nov 2025) |
| Tax Bill | $31 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Jul 2026 Mortgage + 2 more |
| APN | 11-2-10-11-15-401-016 |
| Primary APN | 11-2-10-11-15-401-016 |
|---|
| Lot Area | 9,900 sqft (0.227 acres) |
|---|---|
| Lot Dimensions | 120 ft deep x 82.5 ft wide |
| Street Address | 225 RANCHERO DR |
|---|---|
| City | HAMEL |
| State | IL |
| Zip | 62046-4400 |
| Property Category | Public Works |
| Property Type | Public Works > Redevelopment Agency or Zone |
| Legal Description | SADDLEWOOD MEADOWS 1ST ADDN LOT 75 82.50 X 120 IRREGULAR |
| Legal Subdivision | SADDLEWOOD MEADOWS 1ST ADDN |
| Legal Lot Number | 75 |
| Jurisdiction | MADISON IL |
| Township / Civil Division | HAMEL |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 403801 |
Source: Madison County records, as of August 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 | 225 RANCHERO DR, HAMEL, IL 62046-4400 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Aug 31, 2026 | Deed of Trust, Mortgage · Conventional Mortgage SCOTT CREDIT UNION |
| Jul 22, 2026 | Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK |
| Dec 4, 2024 | Deed of Trust, Mortgage · Construction Mortgage FCB BANKS |
| Nov 4, 2025 | Warranty Deed, Transfer · Line of Credit STATE BANK OF ST JACOB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 4, 2025 · Amount on Record |
| Deed Sale | Nov 4, 2025 · Amount on Record |
| Deed Document Number | 202531089 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IL |
| Recording Date | Aug 31, 2026 |
| Property Address | 225 RANCHERO DR, HAMEL, IL 62046-4400 |
| Document Number | 0000025463 |
| Instrument Date | Aug 26, 2026 |
| Instrument | 202625463 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2026 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship, 153 |
| Address | 225 RANCHERO DR, HAMEL, IL 62046-4400 |
| Investor | Possibly a Property Investor |
| Document Number | 0000025463, |
|---|---|
| Date | Aug 31, 2026 |
| Instrument | 202625463 |
| Name | SCOTT CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IL |
| Recording Date | Jul 22, 2026 |
| Property Address | 225 RANCHERO DR, HAMEL, IL 62046-4400 |
| Document Number | 0000021048 |
| Instrument Date | Jul 16, 2026 |
| Instrument | 202621048 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2026 |
| Title Company | MADISON COUNTY TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship, 153 |
| Address | 225 RANCHERO DR, HAMEL, IL 62046-4400 |
| Investor | Possibly a Property Investor |
| Document Number | 0000021048, |
|---|---|
| Date | Jul 22, 2026 |
| Instrument | 202621048 |
| Name | HEARTLAND BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.53% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IL |
| Property Address | 225 RANCHERO DR, HAMEL, IL 62046-4400 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000033460 |
|---|---|
| Date | Dec 4, 2024 |
| Instrument | 2024R33460 |
| Name | FCB BANKS |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON IL |
| Recording Date | Nov 4, 2025 |
| Property Address | 225 RANCHERO DR, HAMEL, IL 62046-4400 |
| Document Number | 0000031089 |
| Map Reference | PB 65 PG 211 |
| Instrument Date | Oct 10, 2025 |
| Instrument | 2025R31089 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2025 |
| Title Company | MADISON TITLE AND ESCROW, MADISON COUNTY TITLE & ESCRO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $585.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 225 RANCHERO DR, HAMEL, IL 62046-4400 |
| Investor | Possibly a Property Investor |
| Document Number | 0000031090 |
|---|---|
| Date | Nov 4, 2025 |
| Instrument | 2025R31090 |
| Name | STATE BANK OF ST JACOB |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Oct 20, 2026 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7% |
Source: Madison County assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Madison County |
| County Subdivision | Hamel Township |
| Municipality | Hamel Village |
| Unified School District | Edwardsville Community Unit School District 7 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $31.00 (+6.9%) | $460 (+9.52%) Land $460 | $1,380 (+9.52%) Land $1,380 |
| 2024 | $29.00 (+16%) | $420 (+2%) Land $420 | $1,260 (+19.89%) Land $1,260 |
| 2022 | $25.00 | $350 Land $350 | $1,051 Land $1,051 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 2 in force |
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HAMEL serves 1,087 people · EPA ID IL1190450 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 139 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Madison Communications Fiber | 1,000 / 150 |
| Wisper ISP Fixed Wireless | 400 / 30 |
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