304 W Thomas St, Ludlow, IL 60949 Property Records

Champaign County property record for 304 W Thomas St, Ludlow, IL 60949

Property Summary

Property Type	Single Family Home
Lot Size	0.381 acres (16,583 sqft)
Owner	2 Individual Names on File
Last Sale	$54,000 (Jun 2026)
Tax Bill	$2,956 (2025)
Deeds & Mortgages	Jun 2026 Sale Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-03-01-378-003`

Property Details

APN / Parcel Number

Primary APN	`14-03-01-378-003`

Exterior

Lot Area	16,583 sqft (0.381 acres)

Location & Zoning

Street Address	304 W THOMAS ST
City	LUDLOW
State	IL
Zip	60949-6112
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT PT 13 BLACKNEYS, CATHERINE M., ADD
Legal Range	09E
Legal Township	22N
Legal Section	01
Legal Subdivision	BLACKNEYS, CATHERINE M., ADD AND OTHER L
Legal Block	1
Legal Lot Number	13
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1029
Census Tract	10400

Owner

304 W Thomas St is owned and occupied by two individuals who bought it in June 2026.

Source: Champaign County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	304 W THOMAS ST, LUDLOW, IL 60949-6112
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Jun 26, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Dec 9, 2021	Warranty Deed, Transfer · Commercial Mortgage BANK OF RANTOUL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2026 · Amount on File
Deed Sale	Jun 26, 2026 · Amount on File
Deed Document Number	20269811
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jun 26, 2026
Property Address	304 W THOMAS ST, LUDLOW, IL 60949-6112
Document Number	0000009811
Instrument Date	Jun 17, 2026
Instrument	20269811
Transaction Type	Transfer
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$8,181.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 W THOMAS ST, LUDLOW, IL 60949-6112

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Dec 9, 2021
Property Address	304 W THOMAS ST, LUDLOW, IL 60949-6112
Document Number	0000028828
Instrument Date	Dec 6, 2021
Instrument	2021R28828
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 W LIBERTY DR, RANTOUL, IL 61866-2925
Investor	Possibly a Property Investor

Mortgage

Document Number	0000028829
Date	Dec 9, 2021
Instrument	2021R28829

Lender

Name	BANK OF RANTOUL
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Dec 6, 2026

Interest

Rate	5%

Tax Assessment & Valuation

The 2025 property tax bill for 304 W Thomas St was $2,956, up 5.9% from the year before.

Source: Champaign County assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Champaign County
County Subdivision	Ludlow Township
Municipality	Ludlow Village
Elementary School District	Ludlow Community Consolidated School District 142 (KG - 08)
Secondary School District	Rantoul Township High School District 193 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,956.00 (+5.91%)	$42,300 Land $2,290 Building $40,010	$126,900 Land $6,870 Building $120,030
2024	$2,791.00
2022	$2,496.00	$30,690 Land $1,660 Building $29,030	$92,070 Land $4,980 Building $87,090

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

Flood

FEMA maps place 304 W Thomas St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 14, 2021

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 304 W Thomas St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	LUDLOW serves 330 people · EPA ID IL0190400
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	4 ppb (2026–2028) action level 15 ppb
Copper	1.8 mg/L (2025) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Nextlink Fixed Wireless	500 / 100

May also be available: Verizon.

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