302 S Lincoln St, Downs, IL 61736 Property Records

McLean County property record for 302 S Lincoln St, Downs, IL 61736

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 850 sqft · built 1998
Lot Size	0.16 acres (6,969 sqft)
Owner	Individual Name on File
Last Sale	$158,000 (May 2019)
Tax Bill	$5,961 (2024)
Deeds & Mortgages	Oct 2021 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-04-255-013`

Property Details

APN / Parcel Number

Primary APN	`29-04-255-013`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	850 sqft Living Area
1st Floor Area	1,630 sqft
2nd Floor Area	850 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,969 sqft (0.16 acres)
Garage Type	Detached
Garage Area	455 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	302 S LINCOLN ST
City	DOWNS
State	IL
Zip	61736-7567
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 MISCH SUB NO 1 W 1/2 NE 4-22-3E
Legal Range	03E
Legal Township	22N
Legal Section	04
Legal Subdivision	MISCH SUB
Legal Lot Number	2
Jurisdiction	MCLEAN IL
Township / Civil Division	DOWNS
Census Block Group	3
Census Block	3050
Census Tract	5401

Owner

302 S Lincoln St is owned and occupied by an individual who bought it in May 2019.

Source: McLean County records, as of April 8, 2026

Owner of Record	Individual Name on File
Mailing Address	302 S LINCOLN ST, DOWNS, IL 61736-7567
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 25, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
May 9, 2019	Warranty Deed, Transfer · FHA Mortgage MORTGAGE SERVICES III LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2019 · Amount on File
Deed Sale	May 9, 2019 · Amount on File
Prior Sale	Jun 4, 2010 · Amount on File
Deed Document Number	20196955
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	302 S LINCOLN ST, DOWNS, IL 61736-7567
Transaction Type	Mortgage
Record Updated	Nov 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100025639
Date	Oct 25, 2021
Instrument	2021-00025639

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Nov 1, 2049

Interest

Rate	3.62%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	May 9, 2019
Property Address	302 S LINCOLN ST, DOWNS, IL 61736-7567
Document Number	201900006955
Map Reference	DOC 97-5806
Instrument Date	May 1, 2019
Instrument	2019-00006955
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	FRONTIER TITLE COMPANY, FRONTIER TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$237.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	302 S LINCOLN ST, DOWNS, IL 61736-7567

Mortgage

Document Number	201900006956
Date	May 9, 2019
Instrument	2019-00006956

Lender

Name	MORTGAGE SERVICES III LLC
Type	Lending Institution

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	4.62%

Tax Assessment & Valuation

Source: McLean County assessment roll, as of April 8, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	McLean County
County Subdivision	Downs Township
Municipality	Downs Village
Unified School District	Tri-Valley Community Unit School District 3 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$78,478 Land $12,791 Building $65,687	$235,434 Land $38,373 Building $197,061
2024	$5,961.00 (+14.06%)
2023	$5,226.00	$65,256 Land $10,636 Building $54,620	$195,768 Land $31,908 Building $163,860

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 302 S Lincoln St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.

Source: FEMA National Flood Hazard Layer, effective June 27, 2019 · 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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2026 · river or lake flooding

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 302 S Lincoln 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 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	DOWNS serves 1,201 people · EPA ID IL1130500
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2026) action level 15 ppb
Copper	1.4 mg/L (2025) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control currently in violation since Jan 2026
Monitoring and Reporting	2 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 228 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pavlov Media Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Watch TV Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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