31531 Oaktrail Dr, Brighton, IL 62012 Property Records

Jersey County property record for 31531 Oaktrail Dr, Brighton, IL 62012

Property Summary

Property Type	Single Family Home
Details	2,160 sqft · built 2005
Lot Size	1.36 acres (59,242 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Jun 2026)
Tax Bill	$6,343 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-091-004-33`

Property Details

APN / Parcel Number

Primary APN	`07-091-004-33`
Alternative APN	`091-004-33`

Interior

Stories	1 Story
Building Area	2,160 sqft Total Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	59,242 sqft (1.36 acres)

Location & Zoning

Account Number	091-004-33
Street Address	31531 OAKTRAIL DR
City	BRIGHTON
State	IL
Zip	62012-3882
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKBROOK HILLS SUBDIVISION PHASE IV LOT 33 11-15 223K, 8-04 31.5K 2005 1STY/BSMT 2160SQ
Legal Range	10W
Legal Township	07N
Legal Section	21
Legal Subdivision	OAKBROOK HILLS SUBDIVISION PHASE IV
Legal Phase	IV
Legal Lot Number	33
Jurisdiction	JERSEY IL
Township / Civil Division	PIASA
Census Block Group	1
Census Block	1033
Census Tract	10200

Owner

31531 Oaktrail Dr is owned and occupied by two individuals who bought it in June 2026.

Source: Jersey County records, as of September 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1002 LILLIAN CT, JERSEYVILLE, IL 62052-2842
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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
Jun 25, 2026	Warranty Deed, Transfer · Conventional Mortgage JERSEY STATE BANK
Aug 4, 2021	Deed of Trust, Mortgage · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 20, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage AMERCN HOME LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2026 · Amount on File
Deed Sale	Jun 25, 2026 · Amount on File
Prior Sale	Aug 20, 2019 · Amount on File
Deed Document Number	2026180309
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JERSEY IL
Recording Date	Jun 25, 2026
Property Address	31531 OAKTRAIL DR, BRIGHTON, IL 62012-3882
Document Number	0000180309
Instrument Date	Jun 24, 2026
Instrument	2026180309
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	RUN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$68,175.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1002 LILLIAN CT, JERSEYVILLE, IL 62052-2842

Mortgage

Document Number	0000180310,
Date	Jun 25, 2026
Instrument	2026180310

Lender

Name	JERSEY STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.75%
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JERSEY IL
Property Address	31531 OAKTRAIL DR, BRIGHTON, IL 62012-3882
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100165142
Date	Aug 4, 2021
Instrument	202100165142

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JERSEY IL
Recording Date	Aug 20, 2019
Property Address	31531 OAKTRAIL DR, BRIGHTON, IL 62012-3882
Document Number	201900156924
Instrument Date	Aug 15, 2019
Instrument	201900156924
Transaction Type	Transfer
Record Updated	Jul 5, 2022
Title Company	COMMUNITY TITLE & ESCROW

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1996 LEMONTREE CT, COLLINSVILLE, IL 62234-5282

Mortgage

Document Number	201900156925
Date	Aug 20, 2019
Instrument	201900156925

Lender

Name	AMERCN HOME LENDING

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	201900156924
Date	Aug 20, 2019
Instrument	201900156924

Lender

Name	AMERCN HOME LENDING

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 31531 Oaktrail Dr was $6,343 with exemptions applied, up 1.5% from the year before.

Source: Jersey County assessment roll, as of September 14, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Jersey County
County Subdivision	Piasa Township
Unified School District	Southwestern Community Unit School District 9 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,343.00 (+1.47%) Homeowner's exemption Disabled Person's exemption	$123,605 (+10.5%) Land $13,470 Building $110,135	$370,815 (+10.5%) Land $40,410 Building $330,405
2024	$6,251.00	$111,860 Land $12,190 Building $99,670	$335,580 Land $36,570 Building $299,010
2022	$5,655.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$98,725 Land $10,755 Building $87,970	$296,175 Land $32,265 Building $263,910

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 31531 Oaktrail Dr in Zone X, an area of minimal flood risk, though there have been 33 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective April 2, 2009 · 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 Claims	33 (1982–2008)
Claims Outside the SFHA	1 of 33
Most Recent Claim	Jun 2008 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2008 · 4 claims Severe Storms & Flooding, Aug 1993 · 12 claims

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 31531 Oaktrail Dr 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Wisper ISP Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Oaktrail Dr

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