315 W State St, Potomac, IL 61865 Property Records

Vermilion County property record for 315 W State St, Potomac, IL 61865

Property Summary

Property Type	Single Family Home
Lot Size	0.48 acres (20,909 sqft)
Owner	Company Name on File
Last Sale	$99,000 (Oct 2022)
Tax Bill	$3,662 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-03-301-018`

Property Details

APN / Parcel Number

Primary APN	`12-03-301-018`

Exterior

Lot Area	20,909 sqft (0.48 acres)

Location & Zoning

Street Address	315 W STATE ST
City	POTOMAC
State	IL
Zip	61865-9402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STUCKEYS SUB CLKS SUB SW4 3 21 13 EX S5', HY LTS 5&6
Legal Range	13
Legal Township	21
Legal Section	03
Legal Subdivision	STUCKEYS
Legal Lot Number	5-6
Jurisdiction	VERMILION IL
Township / Civil Division	MIDDLEFORK
Census Block Group	2
Census Block	2007
Census Tract	10300

Owner

315 W State St is owned by a company that bought it in October 2022 and is owner-occupied.

Source: Vermilion County records, as of July 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	315 W STATE ST, POTOMAC, IL 61865-9402
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 31, 2018	Warranty Deed, Transfer · Conventional Mortgage GIFFORD STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2022 · Amount on File
Deed Sale	Oct 26, 2022 · Amount on File
Prior Sale	May 31, 2018 · Amount on File
Deed Document Number	20227171
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VERMILION IL
Recording Date	Oct 26, 2022
Property Address	315 W STATE ST, POTOMAC, IL 61865-9402
Document Number	0002207171
Map Reference	DOC 664992
Instrument Date	Oct 26, 2022
Instrument	22-07171
Transaction Type	Transfer
Record Updated	Nov 16, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$148.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	315 W STATE ST, POTOMAC, IL 61865-9402

Mortgage

Document Number	0002207172
Date	Oct 26, 2022
Instrument	22-07172

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Fixed Rate
Rate	6.03%

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	VERMILION IL
Recording Date	May 31, 2018
Property Address	315 W STATE ST, POTOMAC, IL 61865-9402
Document Number	0001803242
Map Reference	DOC 664992 PR7 PG558
Instrument Date	May 24, 2018
Instrument	18-03242
Transaction Type	Transfer
Record Updated	Aug 5, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$112.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 W STATE ST, POTOMAC, IL 61865-9402

Mortgage

Document Number	0001803243
Date	May 31, 2018
Instrument	18-03243

Lender

Name	GIFFORD STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	4.75%

Tax Assessment & Valuation

The 2025 property tax bill for 315 W State St was $3,662 with a homeowner's exemption.

Source: Vermilion County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Vermilion County
County Subdivision	Middlefork Township
Municipality	Potomac Village
Elementary School District	Potomac Community Unit School District 10 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,662.00 Homeowner's exemption	$47,219 (+8.09%) Land $7,169 Building $40,050	$141,657 (+8.09%) Land $21,507 Building $120,150
2024		$43,684 Land $6,632 Building $37,052	$131,052 Land $19,896 Building $111,156
2022	$3,074.00 Homeowner's exemption Senior Citizen's exemption	$35,446 Land $5,381 Building $30,065	$106,338 Land $16,143 Building $90,195

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 W State St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 16, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (1984–2015)
Most Recent Claim	Dec 2015 · river or lake flooding

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

Wildfire risk around 315 W State St is low, with 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	POTOMAC serves 650 people · EPA ID IL1830650
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	4 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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Starlink Satellite	280 / 30

May also be available: AT&T, Nextlink.

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