3115 E Orchard Dr, Decatur, IL 62521 Property Records

Macon County property record for 3115 E Orchard Dr, Decatur, IL 62521

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,388 sqft · built 1952
Lot Size	0.487 acres (21,216 sqft)
Owner	2 Individual Names on Record
Last Sale	$46,700 (Mar 1989)
Tax Bill	$3,187 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-13-30-131-012`

Property Details

APN / Parcel Number

Primary APN	`09-13-30-131-012`
Alternative APN	`13-30-131-012`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,388 sqft Living Area
1st Floor Area	1,388 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	21,216 sqft (0.487 acres)
Lot Dimensions	104 ft deep x 204 ft wide
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	399 sqft
Deck Area	440 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	091330131012
Street Address	3115 E ORCHARD DR
City	DECATUR
State	IL
Zip	62521-4753
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNICIPAL
Legal Description	L 0020 B 02 CHERRYDALE SUBDIV 204X104
Legal Subdivision	CHERRYDALE SUB
Jurisdiction	MACON IL
Township / Civil Division	LONG CREEK
Census Block Group	3
Census Block	3030
Census Tract	2402

Owner

Source: Macon County records, as of June 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3115 E ORCHARD DR, DECATUR, IL 62521-4753
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 10, 2023	Warranty Deed, Transfer · VA Mortgage ARMED FORCES BANK NA
Apr 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage DECATUR EARTHMOVERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 1989 · Amount on Record
Deed Sale	Mar 1, 1989 · Amount on Record
Last Transfer Date	Dec 11, 2024
Transfer Doc	2024R011816
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON IL
Recording Date	Apr 23, 2026
Property Address	3115 E ORCHARD DR, DECATUR, IL 62521-4753
Document Number	0000004351
Instrument Date	Apr 13, 2026
Instrument	20264351
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	3115 E ORCHARD DR, DECATUR, IL 62521-4753

Mortgage

Document Number	0000004351,
Date	Apr 23, 2026
Instrument	20264351

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

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

Interest

Rate	6%
Max Rate	-1%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON IL
Recording Date	Oct 10, 2023
Property Address	3115 E ORCHARD DR, DECATUR, IL 62521-4753
Document Number	004978/633
Book / Page	4978 / 633
Map Reference	BK 958 PG 52
Instrument Date	Oct 6, 2023
Instrument	2017374
Transaction Type	Transfer
Record Updated	Oct 25, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$159.00
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	3115 E ORCHARD DR, DECATUR, IL 62521-4753

Mortgage

Document Number	0002017375
Date	Oct 10, 2023
Instrument	2017375

Lender

Name	ARMED FORCES BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.63%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON IL
Property Address	3115 E ORCHARD DR, DECATUR, IL 62521-4753
Transaction Type	Mortgage
Record Updated	May 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4818/86
Date	Apr 28, 2021
Book Page	4818/86
Instrument	1977815

Lender

Name	DECATUR EARTHMOVERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 30, 2036

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	$3,187.00 (-5.49%) Homeowner's exemption Senior Citizen's exemption	$43,883 (+10.15%) Land $7,470 Building $36,413	$131,662 (+10.15%) Land $22,412 Building $109,250
2024	$3,372.00 (+34.66%)	$39,839 (+14.46%) Land $7,226 Building $32,613	$119,529 (+14.46%) Land $21,680 Building $97,849
2022	$2,504.00 Homeowner's exemption	$34,806 Land $6,312 Building $28,494	$104,429 Land $18,938 Building $85,491

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

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 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	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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