304 E Main St, Saint Jacob, IL 62281 Property Records

Madison County property record for 304 E Main St, Saint Jacob, IL 62281

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 459 sqft · built 1945
Lot Size	0.229 acres (9,984 sqft)
Owner	Individual Name on File
Last Sale	$128,000 (Aug 2020)
Tax Bill	$3,170 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Dec 2017 Sale & Mortgage
APN	`05-2-23-09-20-405-014`

Property Details

APN / Parcel Number

Primary APN	`05-2-23-09-20-405-014`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	459 sqft Living Area

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Conventional
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	9,984 sqft (0.229 acres)
Lot Dimensions	156 ft deep x 64 ft wide
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	304 E MAIN ST
City	SAINT JACOB
State	IL
Zip	62281-1732
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	ORIGINAL TOWN LOT 11-PT 10 64X156
Legal Subdivision	ORIGINAL TOWN
Legal Lot Number	11
Jurisdiction	MADISON IL
Township / Civil Division	ST. JACOB
Census Block Group	4
Census Block	4018
Census Tract	403702

Owner

Source: Madison County assessment roll, as of June 25, 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 File
Mailing Address	304 E MAIN ST, SAINT JACOB, IL 62281-1732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2020	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Dec 26, 2017	Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 25, 2020 · Amount on Record
Deed Sale	Aug 25, 2020 · Amount on Record
Prior Sale	Dec 26, 2017 · Amount on Record
Deed Document Number	202029701
Record Updated	Sep 20, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Aug 25, 2020
Property Address	304 E MAIN ST, SAINT JACOB, IL 62281-1732
Document Number	0000029701
Map Reference	PB 20 PG 66
Instrument Date	Aug 14, 2020
Instrument	2020R29701
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	ABSTRACTS & TITLES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$192.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 E MAIN ST, SAINT JACOB, IL 62281-1732

Mortgage

Document Number	0000029702
Date	Aug 25, 2020
Instrument	2020R29702

Lender

Name	GUILD MORTGAGE CO

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON IL
Recording Date	Dec 26, 2017
Property Address	304 E MAIN ST, SAINT JACOB, IL 62281-1732
Document Number	0000043526
Map Reference	PB 20 PG 66
Instrument Date	Dec 15, 2017
Instrument	2017R43526
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	BENCHMARK TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 E MAIN ST, SAINT JACOB, IL 62281-1732

Mortgage

Document Number	0000043527
Date	Dec 26, 2017
Instrument	2017R43527

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Madison County assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Madison County
County Subdivision	St. Jacob Township
Municipality	St. Jacob Village
Unified School District	Triad Community Unit School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,170.00 (+10.11%)	$49,960 (+33.05%) Land $8,800 Building $41,160	$149,880 (+32.92%) Land $26,400 Building $123,480
2024	$2,879.00 (+16.94%)
2022	$2,462.00	$37,550 Land $6,610 Building $30,940	$112,763 Land $19,850 Building $92,913

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

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2013 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

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

Water System	ST JACOB serves 2,008 people · EPA ID IL1190950
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2023
Lead	Under 1 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2019
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	6 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 256 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Progressive Voice & Data Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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