3048 E Orchard Dr, Decatur, IL 62521 Property Records

Macon County property record for 3048 E Orchard Dr, Decatur, IL 62521

Property Summary

Property Type	Single Family Home
Details	2 ba · 981 sqft · built 1963
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$128,000 (Nov 2025)
Tax Bill	$2,658 (2025)
Deeds & Mortgages	May 2025 Line of Credit Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-13-30-127-011`

Property Details

APN / Parcel Number

Primary APN	`09-13-30-127-011`
Alternative APN	`13-30-127-011`

Interior

Full Baths	2 Baths
Building Area	981 sqft Living Area
1st Floor Area	981 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Split Level
Exterior Material	Wood
Construction Type	Frame
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Detached
Garage Area	440 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	091330127011
Street Address	3048 E ORCHARD DR
City	DECATUR
State	IL
Zip	62521-4776
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNICIPAL
Legal Description	EAST LYNN ADD LT 41 04BK3551/638 IRREG 86BK2578/216
Legal Subdivision	EAST LYNN ADD
Legal Lot Number	41
Jurisdiction	MACON IL
Township / Civil Division	LONG CREEK
Census Block Group	3
Census Block	3022
Census Tract	2402

Owner

Source: Macon County records, as of August 24, 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	3048 E ORCHARD DR, DECATUR, IL 62521-4776
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
May 15, 2025	Deed of Trust, Mortgage · Line of Credit LAND OF LINCOLN CU
Jun 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage CEFCU
Nov 3, 2025	Warranty Deed, Transfer · Conventional Mortgage LOWER LLC
Jun 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage CEFCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2025 · Amount on Record
Deed Sale	Nov 3, 2025 · Amount on Record
Prior Sale	Oct 1, 2004 · Amount on Record
Deed Document Number	202513086
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON IL
Property Address	3048 E ORCHARD DR, DECATUR, IL 62521-4776
Transaction Type	Mortgage
Record Updated	Dec 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025R005170
Date	May 15, 2025
Instrument	2025R-005170

Lender

Name	LAND OF LINCOLN CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	May 14, 2030

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON IL
Property Address	3048 E ORCHARD DR, DECATUR, IL 62521-4776
Transaction Type	Mortgage
Record Updated	Dec 3, 2025
Title Company	MACON COUNTY TITLE LLC, MACON COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004743/871
Date	Jun 3, 2020
Book Page	4743/871
Instrument	1961535

Lender

Name	CEFCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON IL
Recording Date	Nov 3, 2025
Property Address	3048 E ORCHARD DR, DECATUR, IL 62521-4776
Document Number	2025R013086
Map Reference	BK 300 PG 375
Instrument Date	Oct 31, 2025
Instrument	2025R-013086
Transaction Type	Transfer
Record Updated	Dec 3, 2025
Title Company	CENTRAL ILLINOIS TITLE CO

Transaction

Amount	Amount Recorded
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	3048 E ORCHARD DR, DECATUR, IL 62521-4776

Mortgage

Document Number	2025R013087
Date	Nov 3, 2025
Instrument	2025R-013087

Lender

Name	LOWER LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.88%

Mortgage

Document Number	2025R013088
Date	Nov 3, 2025
Instrument	2025R-013088

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON IL
Property Address	3048 E ORCHARD DR, DECATUR, IL 62521-4776
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MACON COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4743/871
Date	Jun 3, 2020
Book Page	4743/871
Instrument	1961535

Lender

Name	CEFCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Macon County assessment roll, as of June 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Macon County
County Subdivision	Long Creek Township
Municipality	Decatur City
Unified School District	Decatur School District 61 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,658.00 (+3.46%)	$34,336 (+5.96%) Land $5,616 Building $28,720	$103,019 (+5.96%) Land $16,850 Building $86,169
2024	$2,569.00 Homeowner's exemption	$32,404 Land $5,432 Building $26,972	$97,222 Land $16,298 Building $80,924

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, effective November 28, 2024 · 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	3 in force
Nearby Flood Claims	2 (2008–2009)
Most Recent Claim	Oct 2009 · 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 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	DECATUR serves 76,122 people · EPA ID IL1150150
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	Under 1 ppb (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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 239 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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