319 Cross Rd, Harmon, IL 61042 Property Records

Lee County property record for 319 Cross Rd, Harmon, IL 61042

Property Summary

Property Type	Rural Home
Details	1 ba · 1,960 sqft · built 1985
Lot Size	2.17 acres (94,525 sqft)
Owner	2 Individual Names on Record
Last Sale	$141,500 (Apr 2021)
Tax Bill	$3,877 (2025)
Deeds & Mortgages	Sep 2022 Transfer Apr 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`15-07-34-100-004`

Property Details

APN / Parcel Number

Primary APN	`15-07-34-100-004`
Alternative APN	`156761`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,960 sqft Living Area
Gross Area	1,344 sqft
Basement Area	616 sqft
Unfinished Basement	616 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Lot Area	94,525 sqft (2.17 acres)
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	156761
Street Address	319 CROSS RD
City	HARMON
State	IL
Zip	61042-9723
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	SEC34 TWP21 RNG8 PT NWQ NWQ 0402-0501
Legal Range	08
Legal Township	21
Legal Section	34
Jurisdiction	LEE IL
Township / Civil Division	NELSON
Census Block Group	2
Census Block	2031
Census Tract	700

Owner

Source: Lee County records, as of June 16, 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	319 CROSS RD, HARMON, IL 61042-9723
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2022	Transfer on Death Deed, Transfer
Apr 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY STATE BANK
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY STATE BANK
May 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY STATE BANK
Apr 19, 2021	Special Warranty Deed, Transfer
Feb 23, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2021 · Amount on Record
Deed Sale	Apr 19, 2021 · Amount on Record
Deed Document Number	20211914
Last Transfer Date	Sep 28, 2022
Transfer Doc	0202204119
Record Updated	Sep 20, 2026

September 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LEE IL
Recording Date	Sep 29, 2022
Property Address	319 CROSS RD, HARMON, IL 61042-9723
Document Number	0202204119
Instrument Date	Sep 28, 2022
Instrument	202204119
Transaction Type	Transfer
Record Updated	Oct 19, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 CROSS RD, HARMON, IL 61042-9723

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE IL
Property Address	319 CROSS RD, HARMON, IL 61042-9723
Transaction Type	Mortgage
Record Updated	May 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202201579
Date	Apr 19, 2022
Instrument	202201579

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2027
Change Frequency	5 Years
Min Rate At Change	2.5%
Max Rate At Change	5.5%
Index	Other
Margin	1

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE IL
Property Address	319 CROSS RD, HARMON, IL 61042-9723
Transaction Type	Mortgage
Record Updated	Jun 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202102643
Date	May 26, 2021
Instrument	202102643

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEE IL
Property Address	319 CROSS RD, HARMON, IL 61042-9723
Transaction Type	Mortgage
Record Updated	May 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202102199
Date	May 5, 2021
Instrument	202102199

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

April 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LEE IL
Recording Date	Apr 19, 2021
Property Address	319 CROSS RD, HARMON, IL 61042-9723
Document Number	0202101914
Instrument Date	Apr 19, 2021
Instrument	202101914
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount Recorded
Tax	$212.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1519 S COLLEGE AVE, 1519, DIXON, IL 61021-4007

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 CROSS RD, HARMON, IL 61042-9723

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LEE IL
Recording Date	Feb 23, 2021
Property Address	319 CROSS RD, HARMON, IL 61042-9723
Document Number	0202100898
Instrument Date	Feb 22, 2021
Instrument	202100898
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1519 S COLLEGE AVE, 1519, DIXON, IL 61021-4007

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1519 S COLLEGE AVE, DIXON, IL 61021-4007

Tax Assessment & Valuation

Source: Lee County assessment roll, as of June 16, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Lee County
County Subdivision	Nelson Township
Unified School District	Dixon Unit School District 170 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$3,877.00 (+15.59%) Homeowner's exemption	$86,284 (+9.56%) Land $3,064 Building $83,220
2024	$3,354.00	$78,756 Land $2,782 Building $75,974

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective August 31, 2020 · 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	2 (1980–1981)
Most Recent Claim	Aug 1981 · 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	Not rated no burnable land within ember reach

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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
Rise Broadband Fixed Wireless	25 / 5
Brightspeed DSL	10 / 1

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