23655 State Hwy 3, Dow, IL 62022 Property Records

Jersey County property record for 23655 State Hwy 3, Dow, IL 62022

Property Summary

Property Type	Single Family Home
Details	1,392 sqft · built 1994
Lot Size	7.35 acres (320,166 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,470 (2025)
Deeds & Mortgages	Dec 2021 Refinance Nov 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-085-014-00`

Property Details

APN / Parcel Number

Primary APN	`01-085-014-00`
Alternative APN	`085-014-00`

Interior

Stories	1 Story
Building Area	1,392 sqft Total Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Lot Area	320,166 sqft (7.35 acres)

Location & Zoning

Account Number	085-014-00
Street Address	23655 STATE HIGHWAY 3
City	DOW
State	IL
Zip	62022-3304
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE COR NW1/4 NE1/4 NO SALES 1994 1.5STYLOG/BSMT 1392SQ
Legal Subdivision	NOT AVAILABLE
Jurisdiction	JERSEY IL
Township / Civil Division	ELSAH
Census Block Group	1
Census Block	1001
Census Tract	10300

Owner

Source: Jersey County records, as of September 14, 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	23655 STATE HIGHWAY 3, DOW, IL 62022-3304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CARROLLTON BANK
Nov 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CARROLLTON BANK
Dec 13, 2021	Quit Claim Deed, Transfer PREFERRED TITLE, PREFERRED TITLE & ESCROW INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 10, 2021
Transfer Doc	0000166596
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JERSEY IL
Property Address	23655 STATE HIGHWAY 3, DOW, IL 62022-3304
Transaction Type	Mortgage
Record Updated	Jan 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100166741
Date	Dec 28, 2021
Instrument	202100166741

Lender

Name	CARROLLTON BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JERSEY IL
Property Address	23655 STATE HIGHWAY 3, DOW, IL 62022-3304
Transaction Type	Mortgage
Record Updated	Dec 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100166379
Date	Nov 24, 2021
Instrument	202100166379

Lender

Name	CARROLLTON BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JERSEY IL
Recording Date	Dec 13, 2021
Property Address	23655 STATE HIGHWAY 3, DOW, IL 62022-3304
Document Number	202100166596
Instrument Date	Dec 10, 2021
Instrument	202100166596
Transaction Type	Transfer
Record Updated	Jan 5, 2022
Title Company	PREFERRED TITLE, PREFERRED TITLE & ESCROW INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	23655 STATE HIGHWAY 3, DOW, IL 62022-3304

Tax Assessment & Valuation

Source: Jersey County assessment roll, as of September 14, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Jersey County
County Subdivision	Elsah Township
Unified School District	Jersey Community Unit School District 100 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,470.00 (-12.75%)	$83,185 (+7.29%) Land $17,400 Building $65,785	$249,555 (+7.29%) Land $52,200 Building $197,355
2024	$5,123.00 (+9.61%)
2022	$4,674.00 Homeowner's exemption	$77,535 Land $14,565 Building $62,970	$232,605 Land $43,695 Building $188,910

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 April 2, 2009 · 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 5 (25% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	53 (1979–2024)
Claims Outside the SFHA	12 of 53
Most Recent Claim	Jul 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jun 2019 · 11 claims Severe Storms & Flooding, Aug 1993 · 16 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Grafton Technologies Fiber	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on State Hwy 3

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