313 S Maple St, Montrose, IL 62445 Property Records

Effingham County property record for 313 S Maple St, Montrose, IL 62445

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,088 sqft · built 1900
Lot Size	0.67 acres (29,185 sqft)
Owner	Individual Name on File
Last Sale	$82,500 (Sep 2023)
Tax Bill	$2,739 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-19-004-055`

Property Details

APN / Parcel Number

Primary APN	`10-19-004-055`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,088 sqft Base Area
1st Floor Area	1,088 sqft
Basement Area	1,088 sqft
Unfinished Basement	1,088 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	29,185 sqft (0.67 acres)
Garage Area	1,064 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Street Address	313 S MAPLE ST
City	MONTROSE
State	IL
Zip	62445-1205
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOTS 2 & 3 BLK 1 PT NE NE E GIBBENS ADD TO MONTROSE 3878/105 3711/199 3244/139 2273/112 1679/306 1019/96 573/254 494/282
Legal Subdivision	GIBBENS ADD
Legal Block	1
Legal Lot Number	2-3
Jurisdiction	EFFINGHAM IL
Township / Civil Division	ST. FRANCIS
Census Block Group	3
Census Block	3032
Census Tract	950100

Owner

313 S Maple St is owned and occupied by an individual who bought it in September 2023.

Source: Effingham County records, as of October 5, 2026

Owner of Record	Individual Name on File
Mailing Address	313 S MAPLE ST, MONTROSE, IL 62445-1205
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 8, 2023	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Aug 3, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY BANK OF MOULTRIE CN
Jun 11, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage FARM CREDIT MID AMERICA FLCA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2023 · Amount on File
Deed Sale	Sep 8, 2023 · Amount on File
Prior Sale	Jun 11, 2021 · Amount on File
Deed Document Number	20232928
Deed Book / Page	3878 / 105
Prior Transfer Date	Jul 19, 2005
Prior Transfer Doc	0000003902
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Sep 8, 2023
Property Address	313 S MAPLE ST, MONTROSE, IL 62445-1205
Document Number	003878/105
Book / Page	3878 / 105
Instrument Date	Sep 5, 2023
Instrument	202323002928
Transaction Type	Transfer
Record Updated	Oct 23, 2023
Title Company	THE TITLE CENTER/FL, THE TITLE CENTER

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$82.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 S MAPLE ST, MONTROSE, IL 62445-1205

Mortgage

Document Number	202323002929
Date	Sep 8, 2023
Instrument	202323002929

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.62%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Aug 3, 2021
Property Address	313 S MAPLE ST, MONTROSE, IL 62445-1205
Document Number	3711/199
Book / Page	3711 / 199
Instrument Date	Jul 29, 2021
Instrument	202121003901
Transaction Type	Transfer
Record Updated	Sep 29, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$115.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 S MAPLE ST, MONTROSE, IL 62445-1205

Mortgage

Document Number	202121003902
Date	Aug 3, 2021
Instrument	202121003902

Lender

Name	FIRST COMMUNITY BANK OF MOULTRIE CN
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate	2.87%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EFFINGHAM IL
Recording Date	Jun 11, 2021
Property Address	313 S MAPLE ST, MONTROSE, IL 62445-1205
Document Number	3695/5
Book / Page	3695 / 5
Instrument Date	Jun 8, 2021
Instrument	202121002922
Transaction Type	Transfer
Record Updated	Aug 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$253.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	313 S MAPLE ST, MONTROSE, IL 62445-1205

Mortgage

Document Number	202121002923
Date	Jun 11, 2021
Instrument	202121002923

Lender

Name	FARM CREDIT MID AMERICA FLCA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 313 S Maple St was $2,739 with a homeowner's exemption.

Source: Effingham County assessment roll, as of October 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Effingham County
County Subdivision	St. Francis Township
Municipality	Montrose Village
Unified School District	Dieterich Community Unit School District 30 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,739.00	$46,840 Land $6,900 Building $39,940	$140,520 Land $20,700 Building $119,820
2022	$1,843.00 Homeowner's exemption	$35,020 Land $5,150 Building $29,870	$105,060 Land $15,450 Building $89,610

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

FEMA maps place 313 S Maple St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025

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

Wildfire risk around 313 S Maple St 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 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	EJ WATER-MONTROSE serves 201 people · EPA ID IL0490350
Water Source	Purchased groundwater from EJ WATER COOPERATIVE
Last State Inspection	Nov 2025
Lead	1 ppb (2026–2028) action level 15 ppb
Copper	1.44 mg/L (2021) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2020
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 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Communications Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

Nearby Properties on S Maple St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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