304 Union Ave, Dowell, IL 62927 Property Records

Jackson County property record for 304 Union Ave, Dowell, IL 62927

Property Summary

Property Type	Commercial
Details	8,350 sqft · built 1940
Lot Size	0.287 acres (12,500 sqft)
Owner	2 Individual Names on File
Last Sale	$25,000 (Nov 2002)
Tax Bill	$1,493 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Nov 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-05-329-019`

Property Details

APN / Parcel Number

Primary APN	`05-05-329-019`
Alternative APN	`05-05-329-019-0060`

Interior

Building Area	8,350 sqft Living Area
Basement Area	8,350 sqft
Unfinished Basement	8,350 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	12,500 sqft (0.287 acres)
Lot Dimensions	125 ft deep x 100 ft wide

Location & Zoning

Street Address	304 UNION AVE
City	DOWELL
State	IL
Zip	62927
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LOTS 7, 8, 9 & 10; BLK 6 DOWELL'S FIRST ADD 2002/35948 TRC 2728 2002/35951 2002/47720 2019R004867 LOT SIZE 100 X 125
Legal Subdivision	DOWELL'S FIRST ADD
Legal Block	6
Legal Lot Number	7-10
Jurisdiction	JACKSON IL
Township / Civil Division	ELK
Census Block Group	1
Census Block	1035
Census Tract	10200

Owner

304 Union Ave, a commercial property, is owned by two individuals who bought it in November 2002.

Source: Jackson County records, as of October 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 221, DOWELL, IL 62927-0221
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2023	Deed of Trust, Mortgage · Conventional Mortgage BANTERRA BANK
Nov 7, 2019	Trustee's Deed, Construction Loan · Line of Credit BANTERRA BK
Nov 18, 2019	Correction Deed, Construction Loan · Line of Credit BANTERRA BK
Oct 21, 2019	Warranty Deed, Transfer JACKSON COUNTY ABSTRACT, JACKSON CNTY ABS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2002 · Amount on File
Deed Sale	Nov 15, 2002 · Amount on File
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON IL
Property Address	304 UNION AVE, DOWELL, IL 62927
Transaction Type	Mortgage
Record Updated	Oct 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004131
Date	Oct 2, 2023
Instrument	2023R004131

Lender

Name	BANTERRA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	59 Months
Due	Sep 1, 2028

Interest

Rate Type	Adjustable Rate

November 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	JACKSON IL
Recording Date	Nov 7, 2019
Property Address	304 UNION AVE, DOWELL, IL 62927
Instrument Date	Oct 25, 2019
Instrument	5130
Transaction Type	Construction Loan
Record Updated	Nov 20, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0000005130
Date	Nov 7, 2019
Instrument	5130

Lender

Name	BANTERRA BK
Type	Bank
Address	MOUNT VERNON, IL 62864

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Nov 6, 2024

Interest

Rate Type	Adjustable Rate

November 2019: Correction Deed, Construction Loan

Document Type	Correction Deed
Jurisdiction	JACKSON IL
Recording Date	Nov 18, 2019
Property Address	304 UNION AVE, DOWELL, IL 62927
Instrument Date	Oct 25, 2019
Instrument	5248
Transaction Type	Construction Loan
Record Updated	Nov 27, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0000005248
Date	Nov 18, 2019
Instrument	5248

Lender

Name	BANTERRA BK
Type	Bank
Address	MOUNT VERNON, IL 62864

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Nov 17, 2024

Interest

Rate Type	Adjustable Rate

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON IL
Recording Date	Oct 21, 2019
Property Address	304 UNION AVE, DOWELL, IL 62927
Document Number	0000004867
Instrument Date	Oct 21, 2019
Instrument	4867
Transaction Type	Transfer
Record Updated	Nov 5, 2019
Title Company	JACKSON COUNTY ABSTRACT, JACKSON CNTY ABS

Transaction

Amount	Amount on Record
Tax	$42.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11 COBIN LN DOWELL IL 62927, DOWELL, IL 62927

Tax Assessment & Valuation

The 2025 property tax bill for 304 Union Ave was $1,493, up 2% from the year before.

Source: Jackson County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Jackson County
County Subdivision	Elk Township
Municipality	Dowell Village
Unified School District	Elverado Community Unit School District 196 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,493.00 (+20.02%)	$17,359 Land $2,727 Building $14,632	$52,077 Land $8,181 Building $43,896
2024	$1,244.00
2022	$1,120.00	$12,762 Land $2,005 Building $10,757	$38,286 Land $6,015 Building $32,271

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 304 Union Ave in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1993.

Source: FEMA National Flood Hazard Layer, effective June 11, 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	5 in force
Nearby Flood Claims	10 (1993–2023)
Most Recent Claim	Jul 2023 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jun 2011 · 3 claims Severe Storms, Flooding, And Tornadoes, May 2009 · 2 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

Wildfire risk around 304 Union Ave 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 97% of the US · lower than 79% 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	DOWELL serves 1,188 people · EPA ID IL0770250
Water Source	Purchased surface water from DUQUOIN
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2026–2028) 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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ProTek Communications Fiber	10,000 / 10,000
Frontier Fiber	7,000 / 7,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

May also be available: BLIP Networks, ClearWave, Verizon, Wisper ISP.

Nearby Properties on Union Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures