2432 E Main St, Decatur, IL 62521 Property Records

Macon County property record for 2432 E Main St, Decatur, IL 62521

Property Summary

Property Type	Single Family Home
Lot Size	0.129 acres (5,600 sqft)
Owner	Individual Name on File
Last Sale	$28,700 (Jun 1999)
Tax Bill	$41 (2025)
Deeds & Mortgages	Oct 2010 Line of Credit Dec 2014 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-12-13-278-025`

Property Details

APN / Parcel Number

Primary APN	`04-12-13-278-025`
Alternative APN	`12-13-278-025`

Exterior

Lot Area	5,600 sqft (0.129 acres)
Lot Dimensions	40 ft deep x 140 ft wide

Location & Zoning

Account Number	041213278025
Street Address	2432 E MAIN ST
City	DECATUR
State	IL
Zip	62521-2227
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNICIPAL
Legal Description	L 0118 B 00 ELM RIDGE 04BK3539/698 140X40 99BK2901/247 6/99 28,690
Legal Subdivision	ELMRIDGE ADD
Jurisdiction	MACON IL
Township / Civil Division	DECATUR
Census Block Group	3
Census Block	3024
Census Tract	1100

Owner

2432 E Main St is owned and occupied by an individual who bought it in June 1999.

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

Owner of Record	Individual Name on File
Mailing Address	2432 E MAIN ST, DECATUR, IL 62521-2227
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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

Date	Document
Oct 15, 2010	Deed of Trust, Mortgage · Line of Credit LAND OF LINCLON CU
Dec 16, 2014	Deed of Trust, Mortgage · Line of Credit LAND OF LINCOLN CU
Mar 3, 2026	Deed, Transfer · Conventional Mortgage LOWER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 1999 · Amount on File
Deed Sale	Jun 1, 1999 · Amount on File
Record Updated	Sep 20, 2026

October 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON IL
Property Address	2432 E MAIN ST, DECATUR, IL 62521-2227
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004097/744
Date	Oct 15, 2010
Book Page	4097/744
Instrument	1803360

Lender

Name	LAND OF LINCLON CU
Address	DECATUR, IL 62526

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Oct 14, 2015

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON IL
Property Address	2432 E MAIN ST, DECATUR, IL 62521-2227
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004408/801
Date	Dec 16, 2014
Book Page	4408/801
Instrument	1881367

Lender

Name	LAND OF LINCOLN CU
Type	Credit Union
Address	DECATUR, IL 62526

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MACON IL
Recording Date	Mar 3, 2026
Property Address	2432 E MAIN ST, DECATUR, IL 62521-2227
Document Number	2026R002355
Map Reference	BK 149 PG 446
Instrument Date	Feb 23, 2026
Instrument	2026R-002355
Transaction Type	Transfer
Record Updated	Apr 1, 2026
Title Company	CENTRAL FLORIDA TITLE COMPANY, CENTRAL ILLINOIS TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7835 MERCHANTVILLE CIR, ZEPHYRHILLS, FL 33540-2072

Mortgage

Document Number	2026R002356
Date	Mar 3, 2026
Instrument	2026R-002356

Lender

Name	LOWER LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2041

Interest

Rate Type	Fixed Rate
Rate	6.38%

Tax Assessment & Valuation

The 2025 property tax bill for 2432 E Main St was $41 with exemptions applied.

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	$41.00 Homeowner's exemption Veteran's exemption	$11,442 (+7.28%) Land $747 Building $10,695	$34,329 (+7.27%) Land $2,241 Building $32,088
2024		$10,666 Land $696 Building $9,970	$32,001 Land $2,088 Building $29,913

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 2432 E Main 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 2432 E Main 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 384 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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