Shelby County property record for 301 E Elm St, Cowden, IL 62422
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,184 sqft · built 1948 |
| Lot Size | 0.47 acres (20,473 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $184,000 (May 2025) |
| Tax Bill | $3,524 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Construction Loan |
| APN | 0524-03-13-301-012 |
| Primary APN | 0524-03-13-301-012 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,184 sqft Living Area |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Construction Type | Frame |
| Lot Area | 20,473 sqft (0.47 acres) |
| Garage Area | 696 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 503 sqft |
| Street Address | 301 E ELM ST |
|---|---|
| City | COWDEN |
| State | IL |
| Zip | 62422-1059 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S03 T09N R3E, COMM 60' N OF NW COR BLK 1 FOWLER & HUDSON ADDN THENCE E 276.21' FOR POB - N 110' E 185 S 110' W 185' TO POB, . |
| Legal Range | 03E |
| Legal Township | 09N |
| Legal Section | 03 |
| Legal Subdivision | HUDSON ADDN |
| Legal Block | 1 |
| Jurisdiction | SHELBY IL |
| Township / Civil Division | DRY POINT |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 959600 |
Source: Shelby County records, as of June 30, 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 | 1845 E 3125 AVE, COWDEN, IL 62422-4126 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 14, 2025 · Amount on Record |
| Deed Sale | May 14, 2025 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHELBY IL |
| Recording Date | Apr 24, 2026 |
| Property Address | 301 E ELM ST, COWDEN, IL 62422-1059 |
| Instrument Date | Apr 24, 2026 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 28, 2026 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 301 E ELM ST, COWDEN, IL 62422-1059 |
| Investor | Possibly a Property Investor |
| Date | Apr 24, 2026 |
|---|
| Name | MIDLAND BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 0.62% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
Source: Shelby County assessment roll, as of June 30, 2026
| Type | Name |
|---|---|
| State | Illinois |
| Municipality | Cowden Village |
| County | Shelby County |
| County Subdivision | Dry Point Township |
| Unified School District | Cowden-Herrick Community Unit School District 3A (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,524.00 | $57,800 Land $4,059 Building $53,741 | $173,400 Land $12,177 Building $161,223 |
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.
Source: FEMA National Flood Hazard Layer
| FEMA Flood Zone | Not on file |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 74% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | COWDEN serves 534 people · EPA ID IL1730050 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2023 |
| Lead | 6 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 76 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Fidium Fiber DSL | 500 / 75 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| Watch TV Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Nextlink, Pwr-Net, Wisper ISP.
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