25778 Ames Dr, Elsah, IL 62028 Property Records

Jersey County property record for 25778 Ames Dr, Elsah, IL 62028

Property Summary

Property Type	Single Family Home
Details	1,941 sqft · built 1996
Lot Size	1.26 acres (54,900 sqft)
Owner	2 Individual Names on File
Last Sale	$220,500 (Aug 2021)
Tax Bill	$6,395 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jan 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`01-311-038-00`

Property Details

APN / Parcel Number

Primary APN	`01-311-038-00`
Alternative APN	`311-038-00`

Interior

Stories	1 Story
Building Area	1,941 sqft Total Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Lot Area	54,900 sqft (1.26 acres)
Lot Dimensions	366 ft deep x 150 ft wide

Location & Zoning

Account Number	311-038-00
Street Address	25778 AMES DR
City	ELSAH
State	IL
Zip	62028-7000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELSAH HILLS ADDITION #1 LOT 38 & 39 6-95 24K, 8-85 6K 1996 1STY/BSMT 1941SQ 150X366AV & 150X352AV
Legal Subdivision	ELSAH HILLS ADDITION #1
Legal Lot Number	38,39
Jurisdiction	JERSEY IL
Township / Civil Division	ELSAH
Census Block Group	3
Census Block	3005
Census Tract	10300

Owner

25778 Ames Dr is owned and occupied by two individuals who acquired it in August 2025.

Source: Jersey County records, as of September 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	25778 AMES DR, ELSAH, IL 62028-7000
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

Date	Document
Aug 3, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED COMMUNITY BANK
Jan 30, 2017	Deed of Trust, Mortgage · Line of Credit FIRST MIDAMERICA CREDIT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2021 · Amount on File
Deed Sale	Aug 3, 2021 · Amount on File
Deed Document Number	2021165129
Last Transfer Date	Aug 19, 2025
Transfer Doc	0000177756
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JERSEY IL
Recording Date	Aug 3, 2021
Property Address	25778 AMES DR, ELSAH, IL 62028-7000
Document Number	202100165129
Instrument Date	Aug 3, 2021
Instrument	202100165129
Transaction Type	Transfer
Record Updated	Aug 25, 2021
Title Company	PREFERRED TITLE, PREFERRED TITLE & ESCROW INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	25778 AMES DR, ELSAH, IL 62028-7000

Mortgage

Document Number	202100165130
Date	Aug 3, 2021
Instrument	202100165130

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JERSEY IL
Property Address	25778 AMES DR, ELSAH, IL 62028-7000
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2044/0229
Date	Jan 30, 2017
Book Page	2044/0229
Instrument	201700148674

Lender

Name	FIRST MIDAMERICA CREDIT
Address	EAST ALTON, IL 62024

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 28, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 25778 Ames Dr was $6,395 with a homeowner's exemption, down 2% from the year before.

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	$6,395.00 (-2.04%)	$116,365 Land $14,620 Building $101,745	$349,095 Land $43,860 Building $305,235
2024	$6,528.00
2022	$3,871.00 Homeowner's exemption	$65,255 Land $12,240 Building $53,015	$195,765 Land $36,720 Building $159,045

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 25778 Ames Dr in Zone X, an area of minimal flood risk, though there have been 229 flood claims nearby since 1979.

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
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	229 (1979–2024)
Claims Outside the SFHA	12 of 229
Most Recent Claim	Jul 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jun 2019 · 22 claims Severe Storms & Flooding, Aug 1993 · 86 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

Wildfire risk around 25778 Ames Dr is low, with 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	IL AMERICAN-ALTON private · serves 46,127 people · EPA ID IL1195150
Water Source	Surface water
Last State Inspection	Jan 2024
Lead	3 ppb (2026–2028) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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