2324 E Clay St, Decatur, IL 62521 Property Records

Macon County property record for 2324 E Clay St, Decatur, IL 62521

Property Summary

Property Type	Single Family Home
Details	1 ba · 938 sqft · built 1948
Lot Size	0.143 acres (6,250 sqft)
Owner	Individual Name on File
Last Sale	$40,000 (May 1999)
Tax Bill	$880 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-12-13-403-008`

Property Details

APN / Parcel Number

Primary APN	`04-12-13-403-008`
Alternative APN	`12-13-403-008`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	938 sqft Living Area
1st Floor Area	938 sqft
Basement Area	938 sqft
Unfinished Basement	938 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Wood
Construction Type	Frame
Lot Area	6,250 sqft (0.143 acres)
Lot Dimensions	50 ft deep x 125 ft wide
Garage Type	Detached
Garage Area	360 sqft
Deck Area	188 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	041213403008
Street Address	2324 E CLAY ST
City	DECATUR
State	IL
Zip	62521-2256
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNICIPAL
Legal Description	NELSON PARK ADD LOT 36 BLK 1 99BK2886/456 125X50
Legal Subdivision	NELSON PARK ADD
Legal Block	1
Legal Lot Number	36
Jurisdiction	MACON IL
Township / Civil Division	DECATUR
Census Block Group	1
Census Block	1027
Census Tract	200

Owner

2324 E Clay St is owned and occupied by an individual who acquired it in February 2006.

Source: Macon County records, as of June 5, 2026

Owner of Record	Individual Name on File
Mailing Address	2324 E CLAY ST, DECATUR, IL 62521-2256
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 1999 · Amount on File
Deed Sale	May 1, 1999 · Amount on File
Last Transfer Date	Feb 22, 2006
Transfer Doc	3683/199
Record Updated	Sep 20, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON IL
Recording Date	Mar 1, 2023
Property Address	2324 E CLAY ST, DECATUR, IL 62521-2256
Document Number	004940/992
Book / Page	4940 / 992
Map Reference	BK 300 PG 78
Instrument Date	Feb 28, 2023
Instrument	2008299
Transaction Type	Transfer
Record Updated	Mar 22, 2023
Title Company	MACON COUNTY TITLE LLC, MACON COUNTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$45.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2324 E CLAY ST, DECATUR, IL 62521-2256

Mortgage

Document Number	0002008300
Date	Mar 1, 2023
Instrument	2008300

Lender

Name	STALEY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2038

Interest

Rate Type	Fixed Rate
Rate	5.63%

Tax Assessment & Valuation

The 2025 property tax bill for 2324 E Clay St was $880 with a homeowner's exemption, up 8.4% from the year before.

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	$880.00 (+8.37%) Homeowner's exemption	$15,436 (+7.27%) Land $2,564 Building $12,872	$46,313 (+7.27%) Land $7,693 Building $38,620
2024	$812.00	$14,390 Land $2,390 Building $12,000	$43,175 Land $7,171 Building $36,004

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

FEMA maps place 2324 E Clay St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 28, 2024

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

The area around 2324 E Clay St has no burnable land within ember reach, so its wildfire risk is not rated.

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	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 570 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile.

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