265 Vines Rd, Cobden, IL 62920 Property Records

Union County property record for 265 Vines Rd, Cobden, IL 62920

Property Summary

Property Type	Single Family Home
Lot Size	25.2 acres (1,098,148 sqft)
Owner	Individual Name on Record
Tax Bill	$2,711 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Dec 2020 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-31-02-784`

Property Details

APN / Parcel Number

Primary APN	`04-31-02-784`
Alternative APN	`04-31-200-002`

Exterior

Lot Area	1,098,148 sqft (25.2 acres)

Location & Zoning

Street Address	265 VINES RD
City	COBDEN
State	IL
Zip	62920-3664
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S31 T11 R1W PT NE NE
Legal Range	01W
Legal Township	11
Legal Section	31
Legal Tract	1
Jurisdiction	UNION IL
Township / Civil Division	COBDEN DISTRICT 1
Census Block Group	4
Census Block	4021
Census Tract	950100

Owner

Source: Union County records, as of October 20, 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	PO BOX 340, COBDEN, IL 62920-0340
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2021	Deed of Trust, Mortgage · Line of Credit SOUTHERN BANK
Dec 3, 2020	Deed of Trust, Mortgage · Construction Mortgage SOUTHERN BANK
Dec 10, 2021	Public Action, Foreclosure ATTORNEY ONLY, ATTORNEY
May 28, 2020	Warranty Deed, Transfer · Line of Credit SOUTHERN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2021
Deed Sale	Dec 10, 2021
Prior Sale	May 28, 2020 · Amount on Record
Deed Document Number	20212632
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION IL
Property Address	265 VINES RD, COBDEN, IL 62920
Transaction Type	Mortgage
Record Updated	Apr 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 VINES RD, COBDEN, IL 62920

Mortgage

Document Number	02021R0567
Date	Mar 15, 2021
Instrument	2021R0567

Lender

Name	SOUTHERN BANK
Type	Bank
Address	JACKSON, MO 63755

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Interest

Rate	3.75%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION IL
Property Address	265 VINES RD, COBDEN, IL 62920
Transaction Type	Mortgage
Record Updated	Apr 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4740 LICK CREEK RD, ANNA, IL 62906-3356

Mortgage

Document Number	02020R2307
Date	Dec 3, 2020
Instrument	2020R2307

Lender

Name	SOUTHERN BANK
Type	Bank
Address	JACKSON, MO 63755

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Sep 1, 2021

December 2021: Public Action, Foreclosure

Document Type	Public Action
Jurisdiction	UNION IL
Recording Date	Dec 10, 2021
Property Address	265 VINES RD, COBDEN, IL 62920
Document Number	02021R2632
Instrument Date	Dec 10, 2021
Instrument	2021R2632
Transaction Type	Foreclosure
Record Updated	Jul 20, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 96, EDWARDSVILLE, IL 62025-0096

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION IL
Recording Date	May 28, 2020
Property Address	265 VINES RD, COBDEN, IL 62920
Document Number	02020R0872
Instrument Date	May 27, 2020
Instrument	2020R0872
Transaction Type	Transfer
Record Updated	Jul 20, 2023

Transaction

Amount	Amount Recorded
Tax	$65.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4740 LICK CREEK RD, ANNA, IL 62906-3356

Mortgage

Document Number	02020R0873
Date	May 28, 2020
Instrument	2020R0873

Lender

Name	SOUTHERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	61 Months
Due	Jun 1, 2025

Tax Assessment & Valuation

Source: Union County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Cobden Village
County	Union County
Unified School District	Cobden School Unit District 17 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,711.00 (+24.7%)	$53,730 (+35.71%) Land $11,060 Building $42,670	$161,190 (+35.71%) Land $33,180 Building $128,010
2022	$2,174.00 Homeowner's exemption	$39,591 Land $8,897 Building $30,694	$118,773 Land $26,691 Building $92,082

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 May 2, 2008

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

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	0.03% 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	COBDEN serves 1,267 people · EPA ID IL1810150
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	4 ppb (2026) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: ClearWave, Mediacom Xtream.

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