322 E Spruce St, Paxton, IL 60957 Property Records

Ford County property record for 322 E Spruce St, Paxton, IL 60957

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 780 sqft · built 1920
Lot Size	0.184 acres (8,000 sqft)
Owner	Individual Name on Record
Last Sale	$124,000 (Nov 2025)
Tax Bill	$281 (2024)
Deeds & Mortgages	Feb 2026 Mortgage Feb 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-14-08-333-003`

Property Details

APN / Parcel Number

Primary APN	`11-14-08-333-003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	780 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	8,000 sqft (0.184 acres)
Lot Dimensions	160 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	352 sqft

Location & Zoning

Street Address	322 E SPRUCE ST
City	PAXTON
State	IL
Zip	60957-1035
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 BLK 13 RAILROAD ADD 50 X 160
Legal Range	10E
Legal Township	23N
Legal Section	08
Legal Subdivision	RAILROAD ADD
Legal Block	13
Legal Lot Number	6
Jurisdiction	FORD IL
Township / Civil Division	PATTON
Census Block Group	1
Census Block	1023
Census Tract	961800

Owner

Source: Ford County records, as of June 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	322 E SPRUCE ST, PAXTON, IL 60957-1035
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK & TRUST CO
Feb 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK & TRUST CO
Nov 12, 2025	Warranty Deed, Transfer · Conventional Mortgage HEARTLAND BANK & TRUST CO
Nov 12, 2025	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2025 · Amount on Record
Deed Sale	Nov 12, 2025 · Amount on Record
Prior Sale	Feb 5, 2025 · Amount on Record
Deed Document Number	2025286951
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORD IL
Property Address	322 E SPRUCE ST, PAXTON, IL 60957-1035
Transaction Type	Mortgage
Record Updated	Apr 21, 2026
Title Company	ALLIED CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 N WOOD ST, GIBSON CITY, IL 60936-1246

Mortgage

Document Number	0000287506
Date	Feb 5, 2026
Instrument	287506

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank
Address	BLOOMINGTON, IL 61704

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Dec 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.32%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORD IL
Property Address	322 E SPRUCE ST, PAXTON, IL 60957-1035
Transaction Type	Mortgage
Record Updated	Feb 25, 2026
Title Company	ALLIED CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000287506
Date	Feb 5, 2026
Instrument	287506

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORD IL
Recording Date	Nov 12, 2025
Property Address	322 E SPRUCE ST, PAXTON, IL 60957-1035
Document Number	0000286951
Map Reference	DB 3 PG 602
Instrument Date	Nov 10, 2025
Instrument	286951
Transaction Type	Transfer
Record Updated	Dec 24, 2025
Title Company	ALLIED CAPITAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$186.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 E SPRUCE ST, PAXTON, IL 60957-1035

Mortgage

Document Number	0000286953
Date	Nov 12, 2025
Instrument	286953

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORD IL
Recording Date	Nov 12, 2025
Property Address	322 E SPRUCE ST, PAXTON, IL 60957-1035
Document Number	0000286951
Map Reference	DD 3 PG 602&603
Instrument Date	Nov 10, 2025
Instrument	286951
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$124.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 E SPRUCE ST, PAXTON, IL 60957-1035

Tax Assessment & Valuation

Source: Ford County assessment roll, as of August 19, 2025

Property Jurisdictions

Type	Name
State	Illinois
County	Ford County
County Subdivision	Patton Township
Municipality	Paxton City
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
2024	$281.00 (-5.39%) Homeowner's exemption	$8,310 (+13.06%) Land $2,140 Building $6,170	$24,930 (+13.06%) Land $6,420 Building $18,510
2022	$297.00	$7,350 Land $1,890 Building $5,460	$22,050 Land $5,670 Building $16,380

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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	PAXTON serves 4,200 people · EPA ID IL0530250
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	2 ppb (2023–2025) action level 15 ppb
Copper	1.4 mg/L (2015–2017) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 141 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink.

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