315 N Locust St, Roberts, IL 60962 Property Records

Ford County property record for 315 N Locust St, Roberts, IL 60962

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,140 sqft · built 1978
Lot Size	0.298 acres (13,000 sqft)
Owner	2 Individual Names on File
Last Sale	$60,000 (Oct 2019)
Tax Bill	$1,557 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-07-21-127-007`

Property Details

APN / Parcel Number

Primary APN	`05-07-21-127-007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,140 sqft Living Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	13,000 sqft (0.298 acres)
Lot Dimensions	130 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	780 sqft

Location & Zoning

Street Address	315 N LOCUST ST
City	ROBERTS
State	IL
Zip	60962-8043
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 3 BOND SUB-DIV 100 X 130 ZONING R-1
Legal Range	09E
Legal Township	25N
Legal Section	21
Legal Subdivision	BOND SUB-DIV
Legal Lot Number	3
Jurisdiction	FORD IL
Township / Civil Division	LYMAN
Census Block Group	1
Census Block	1020
Census Tract	961700

Owner

315 N Locust St is owned and occupied by two individuals who bought it in October 2019.

Source: Ford County records, as of October 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	315 N LOCUST ST, ROBERTS, IL 60962-8043
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
Feb 9, 2023	Deed of Trust, Mortgage · Conventional Mortgage GIFFORD STATE BANK
Apr 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSITY OF ILLINOIS EMP CU
Oct 17, 2019	Warranty Deed, Transfer · VA Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2019 · Amount on File
Deed Sale	Oct 17, 2019 · Amount on File
Deed Document Number	2019926
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORD IL
Property Address	315 N LOCUST ST, ROBERTS, IL 60962-8043
Transaction Type	Mortgage
Record Updated	Apr 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000280796
Date	Feb 9, 2023
Instrument	280796

Lender

Name	GIFFORD STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Feb 27, 2028

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORD IL
Property Address	315 N LOCUST ST, ROBERTS, IL 60962-8043
Transaction Type	Mortgage
Record Updated	Jun 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000278904
Date	Apr 4, 2022
Instrument	278904

Lender

Name	UNIVERSITY OF ILLINOIS EMP CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORD IL
Recording Date	Oct 17, 2019
Property Address	315 N LOCUST ST, ROBERTS, IL 60962-8043
Document Number	271926
Map Reference	RB 213 PG 654
Instrument Date	Oct 3, 2019
Instrument	271926
Transaction Type	Transfer
Record Updated	Jul 26, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$90.00
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	315 N LOCUST ST, ROBERTS, IL 60962-8043

Mortgage

Document Number	271927
Date	Oct 17, 2019
Instrument	271927

Lender

Name	BUSEY BANK

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 315 N Locust St was $1,557 with a homeowner's exemption.

Source: Ford County assessment roll, as of October 16, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Ford County
County Subdivision	Lyman Township
Municipality	Roberts Village
Unified School District	Paxton-Buckley-Loda Community Unit School District 10 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,557.00	$24,830 Land $2,100 Building $22,730	$74,490 Land $6,300 Building $68,190
2022	$1,080.00	$17,450 Land $1,480 Building $15,970	$52,350 Land $4,440 Building $47,910

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 315 N Locust St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 22, 2022

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 315 N Locust 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 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	ROBERTS serves 367 people · EPA ID IL0530350
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 182 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Watch TV Fixed Wireless	100 / 20

May also be available: Nextlink.

Cell Coverage

4G LTE only, no 5G reported

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