304 Main St, Ruma (Red Bud), IL 62278 Property Records

Randolph County property record for 304 Main St, Ruma, IL 62278

Property Summary

Property Type	Single Family Home
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$167,000 (May 2026)
Tax Bill	$1,232 (2024)
Deeds & Mortgages	Jun 2023 Mortgage Oct 2006 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`13-143-004-50`

Property Details

APN / Parcel Number

Primary APN	`13-143-004-50`

Exterior

Lot Area	12,197 sqft (0.28 acres)

Location & Zoning

Street Address	304 MAIN ST
City	RUMA
State	IL
Zip	62278-2720
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	528/736 803/388 2013R01572 2018R02271 2021R01024 LOT 4 PT LOT 5 BLK 1 HENRY BAKER'S ADDITION VILLAGE OF RUMA
Legal Subdivision	HENRY BAKER'S ADDITION
Legal Block	1
Legal Lot Number	4,5
Jurisdiction	RANDOLPH IL
Township / Civil Division	RUMA
Census Block Group	2
Census Block	2012
Census Tract	950900

Owner

Source: Randolph County records, as of July 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	304 MAIN ST, RUMA, IL 62278-2720
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2023	Deed of Trust, Mortgage · Conventional Mortgage BUENA VISTA NATIONAL BANK
Oct 6, 2006	Deed of Trust, Mortgage STATE BANK OF PRAIRIE DU ROCHER
Sep 26, 2006	Deed of Trust, Mortgage STATE BANK OF PRAIRIE DU ROCHER
Aug 19, 2010	Deed of Trust, Mortgage STATE BANK
May 18, 2026	Warranty Deed, Transfer · Conventional Mortgage SOCIETY MORTGAGE
Mar 3, 2021	Warranty Deed, Transfer · Conventional Mortgage BUENA VISTA NATIONAL BANK
Jul 23, 2018	Warranty Deed, Transfer WHEATLAND TITLE
Sep 6, 2005	Warranty Deed, Transfer · Line of Credit STATE BANK OF PRAIRIE DU ROCHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2026 · Amount on Record
Deed Sale	May 18, 2026 · Amount on Record
Prior Sale	Mar 3, 2021 · Amount on Record
Deed Document Number	20261479
Prior Transfer Date	Feb 26, 2021
Prior Transfer Doc	2021R01024
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANDOLPH IL
Property Address	304 MAIN ST, RUMA, IL 62278-2720
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023R01625
Date	Jun 14, 2023
Instrument	2023R01625

Lender

Name	BUENA VISTA NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 12, 2028

October 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANDOLPH IL
Property Address	304 MAIN ST, RUMA, IL 62278-2720
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00843/0148
Date	Oct 6, 2006
Book Page	843/0148
Instrument	229262

Lender

Name	STATE BANK OF PRAIRIE DU ROCHER
Address	RED BUD, IL 62278

Agreement

Amount	Amount Recorded

September 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANDOLPH IL
Property Address	304 MAIN ST, RUMA, IL 62278-2720
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00842/0051
Date	Sep 26, 2006
Book Page	842/0051
Instrument	229066

Lender

Name	STATE BANK OF PRAIRIE DU ROCHER
Address	RED BUD, IL 62278

Agreement

Amount	Amount Recorded

August 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANDOLPH IL
Property Address	304 MAIN ST, RUMA, IL 62278-2720
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201003100
Date	Aug 19, 2010
Instrument	201003100

Lender

Name	STATE BANK
Type	Bank
Address	RED BUD, IL 62278

Agreement

Amount	Amount Recorded

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RANDOLPH IL
Recording Date	May 18, 2026
Property Address	304 MAIN ST, RUMA, IL 62278-2720
Document Number	0000001479
Instrument Date	Apr 30, 2026
Instrument	20261479
Transaction Type	Transfer
Record Updated	Jun 1, 2026
Title Company	SOCIETY TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$25,300.50
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 MAIN ST, RUMA, IL 62278-2720

Mortgage

Document Number	0000001480,
Date	May 18, 2026
Instrument	20261480

Lender

Name	SOCIETY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5%
Initial Type	Fixed Rate
Max Rate	-1%

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RANDOLPH IL
Recording Date	Mar 3, 2021
Property Address	304 MAIN ST, RUMA, IL 62278-2720
Document Number	2021R01024
Map Reference	PC 1 JAC 66
Instrument Date	Feb 26, 2021
Instrument	2021R01024
Transaction Type	Transfer
Record Updated	Nov 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$90.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 MAIN ST, RUMA, IL 62278-2720

Mortgage

Document Number	2021R01025
Date	Mar 3, 2021
Instrument	2021R01025

Lender

Name	BUENA VISTA NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RANDOLPH IL
Recording Date	Jul 23, 2018
Property Address	304 MAIN ST, RUMA, IL 62278-2720
Document Number	2018R02271
Map Reference	CAB1 PG66
Instrument Date	May 3, 2018
Instrument	2018R02271
Transaction Type	Transfer
Record Updated	Nov 9, 2021
Title Company	WHEATLAND TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	304 MAIN ST, 304, RUMA, IL 62278-2720

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1102 EASTPORT PLAZA DR, COLLINSVILLE, IL 62234-6102

September 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RANDOLPH IL
Recording Date	Sep 6, 2005
Property Address	304 MAIN ST, RUMA, IL 62278-2720
Document Number	000803/388
Book / Page	803 / 388
Map Reference	CAB1 PG66
Instrument Date	Aug 31, 2005
Instrument	222381
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$56.25
Amount Accuracy	Tax Sale
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	510 CHURCH ST, EVANSVILLE, IL 62242-2026

Mortgage

Document Number	0000222382
Date	Sep 6, 2005
Instrument	222382

Lender

Name	STATE BANK OF PRAIRIE DU ROCHER

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Aug 31, 2010

Tax Assessment & Valuation

Source: Randolph County assessment roll, as of September 29, 2025

Property Jurisdictions

Type	Name
State	Illinois
County	Randolph County
Municipality	Ruma Village
Unified School District	Red Bud Community Unit School District 132 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$30,400 (+6.55%) Land $4,145 Building $26,255	$91,200 (+6.55%) Land $12,435 Building $78,765
2024	$1,232.00 (+19.15%) Homeowner's exemption	$28,530 (+14.56%) Land $3,890 Building $24,640	$85,590 (+14.56%) Land $11,670 Building $73,920
2022	$1,034.00 Homeowner's exemption	$24,905 Land $3,400 Building $21,505	$74,715 Land $10,200 Building $64,515

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 August 18, 2022 · 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	4 in force
Nearby Flood Claims	3 (1993)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Aug 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 3 claims

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 99.1% of the US · lower than 94% 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.

Drinking Water

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

Water System	RUMA serves 341 people · EPA ID IL1570550
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Harrisonville Telephone Company DSL · Fiber in parts of the area	100 / 20

May also be available: ClearWave.

Cell Coverage

5G (outdoors only) and 4G LTE

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