265 E Central St, Farmington, IL 61531 Property Records

Fulton County property record for 265 E Central St, Farmington, IL 61531

Property Summary

Property Type	Single Family Home
Lot Size	0.382 acres (16,654 sqft)
Owner	Individual Name on Record
Last Sale	$58,000 (Jun 2026)
Tax Bill	$763 (2024)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-04-12-109-005`

Property Details

APN / Parcel Number

Primary APN	`05-04-12-109-005`

Exterior

Lot Area	16,654 sqft (0.382 acres)

Location & Zoning

Street Address	265 E CENTRAL ST
City	FARMINGTON
State	IL
Zip	61531-1416
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT/LOT: 50 STEENBURG S ADDITION
Legal Subdivision	STEENBURG S ADDITION
Legal Lot Number	50
Jurisdiction	FULTON IL
Township / Civil Division	FARMINGTON
Census Block Group	3
Census Block	3011
Census Tract	952800

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	265 E CENTRAL ST, FARMINGTON, IL 61531-1416
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2026 · Amount on Record
Deed Sale	Jun 1, 2026 · Amount on Record
Prior Sale	Aug 2, 2012 · Amount on Record
Deed Document Number	2026
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FULTON IL
Recording Date	Jun 1, 2026
Property Address	265 E CENTRAL ST, FARMINGTON, IL 61531-1416
Instrument Date	May 22, 2026
Transaction Type	Transfer
Record Updated	Aug 18, 2026
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 E CENTRAL ST, FARMINGTON, IL 61531-1416

Mortgage

Date	Jun 1, 2026

Lender

Name	NEIGHBORS BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	0.71%
Initial Type	Adjustable Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Fulton County assessment roll, as of July 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Fulton County
County Subdivision	Farmington Township
Municipality	Farmington City
Unified School District	Farmington Central Community Unit School District 265 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$8,160 (+3.95%) Land $2,200 Building $5,960	$24,503 (+3.95%) Land $6,606 Building $17,897
2024	$763.00	$7,850 (+4.53%) Land $2,120 Building $5,730	$23,573 (+4.53%) Land $6,366 Building $17,207
2022		$7,510 Land $2,030 Building $5,480	$22,552 Land $6,096 Building $16,456

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective February 4, 2011

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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.

Drinking Water

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

Water System	IL AMERICAN-FARMINGTON serves 2,448 people · EPA ID IL0570500
Water Source	Groundwater
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	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 190 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mid Century Telephone Cooperative Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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