248 E Vandalia St, Waverly, IL 62692 Property Records

Morgan County property record for 248 E Vandalia St, Waverly, IL 62692

Property Summary

Property Type	Single Family Home
Details	1,152 sqft · built 1910
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Jan 2026)
Tax Bill	$1,618 (2025)
Deeds & Mortgages	Oct 2017 Mortgage Dec 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-11-402-010`

Property Details

APN / Parcel Number

Primary APN	`19-11-402-010`

Interior

Building Area	1,152 sqft Living Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	300 ft deep x 53 ft wide

Location & Zoning

Street Address	248 E VANDALIA ST
City	WAVERLY
State	IL
Zip	62692-1139
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RNG/BLK: TWP:0 SECT/LOT: CITY OF WAVERLY C D MCCASLANDS ADDITION LTS 8 AND 18 DOC-453868 2/23/96 53,000
Legal Range	08W
Legal Township	13N
Legal Section	11
Legal Subdivision	C D MCCASLANDS ADDITION
Legal Lot Number	8,18
Jurisdiction	MORGAN IL
Township / Civil Division	WAVERLY NO. 1
Census Block Group	4
Census Block	4026
Census Tract	952300

Owner

248 E Vandalia St is owned and occupied by two individuals who bought it in January 2026.

Source: Morgan County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	248 E VANDALIA ST, WAVERLY, IL 62692-1139
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 30, 2017	Deed of Trust, Mortgage · Commercial Mortgage WARREN-BOYNTON STATE BANK
Dec 11, 2025	Deed of Trust, Mortgage · Non-Conforming Investor Loan UNITED COMMUNITY BANK
Jan 7, 2026	Warranty Deed, Transfer · Conventional Mortgage USAA FSB
May 29, 2019	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE SERVICES III LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2026 · Amount on File
Deed Sale	Jan 7, 2026 · Amount on File
Prior Sale	May 29, 2019 · Amount on File
Deed Document Number	2026658372
Record Updated	Sep 20, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN IL
Property Address	248 E VANDALIA ST, WAVERLY, IL 62692-1139
Transaction Type	Mortgage
Record Updated	Jan 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000619214
Date	Oct 30, 2017
Instrument	619214

Lender

Name	WARREN-BOYNTON STATE BANK
Type	Bank
Address	NEW BERLIN, IL 62670

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	1.65%
Min Rate At Change	4.5%
Max Rate	9.5%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN IL
Property Address	248 E VANDALIA ST, WAVERLY, IL 62692-1139
Transaction Type	Mortgage
Record Updated	Jan 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000658049
Date	Dec 11, 2025
Instrument	658049

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	AUBURN, IL 62615

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount on Record

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN IL
Recording Date	Jan 7, 2026
Property Address	248 E VANDALIA ST, WAVERLY, IL 62692-1139
Document Number	0000658372
Instrument Date	Jan 6, 2026
Instrument	658372
Transaction Type	Transfer
Record Updated	Jan 22, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	248 E VANDALIA ST, WAVERLY, IL 62692-1139

Mortgage

Document Number	0000658373
Date	Jan 7, 2026
Instrument	658373

Lender

Name	USAA FSB
Type	Bank

Agreement

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

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN IL
Recording Date	May 29, 2019
Property Address	248 E VANDALIA ST, WAVERLY, IL 62692-1139
Document Number	0000626611
Instrument Date	May 24, 2019
Instrument	626611
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ZELLE TITLE SERVICES

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$126.75
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	826 N TAYLORVILLE BLVD, 826, TAYLORVILLE, IL 62568-1049

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	248 E VANDALIA ST, WAVERLY, IL 62692-1139

Mortgage

Document Number	0000626612
Date	May 29, 2019
Instrument	626612

Lender

Name	MORTGAGE SERVICES III LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.62%

Tax Assessment & Valuation

The 2025 property tax bill for 248 E Vandalia St was $1,618 with a homeowner's exemption, up 4.1% from the year before.

Source: Morgan County assessment roll, as of May 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Morgan County
Municipality	Waverly City
Unified School District	Waverly Community Unit School District 6 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,618.00 (+4.12%)	$26,600 (+11.06%) Land $2,800 Building $23,800	$79,800 (+11.06%) Land $8,400 Building $71,400
2024	$1,554.00 Homeowner's exemption	$23,950 (-) Land $2,530 Building $21,420	$71,850 (-) Land $7,590 Building $64,260
2023		$23,950 (-) Land $2,530 Building $21,420	$71,850 (-) Land $7,590 Building $64,260
2022	$1,009.00 (-23.68%) Homeowner's exemption	$23,950 Land $2,530 Building $21,420	$71,850 Land $7,590 Building $64,260
2021	$1,322.00

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 248 E Vandalia St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 18, 2009

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

Wildfire risk around 248 E Vandalia St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 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	WAVERLY serves 1,194 people · EPA ID IL1370450
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	2 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 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Royell Communications Fiber	7,000 / 7,000

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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