3431 E Cleveland St, Ladd, IL 61329 Property Records

Bureau County property record for 3431 E Cleveland St, Ladd, IL 61329

Property Summary

Property Type	Single Family Home
Details	built 1992
Lot Size	0.689 acres (30,000 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Jul 2022)
Tax Bill	$10,091 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-14-100-024`

Property Details

APN / Parcel Number

Primary APN	`18-14-100-024`
Alternative APN	`3312`

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	30,000 sqft (0.689 acres)
Lot Dimensions	250 ft deep x 120 ft wide

Location & Zoning

Account Number	1814100024
Street Address	3431 E CLEVELAND ST
City	LADD
State	IL
Zip	61329-9700
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LADD-MEADOWS UNIT L 12 (120 X 250) D 22-2757
Legal Range	11
Legal Township	16
Legal Section	14
Legal Subdivision	MEADOWS UNIT
Legal Lot Number	12
Legal Unit	L
Jurisdiction	BUREAU IL
Township / Civil Division	HALL
Census Block Group	1
Census Block	1023
Census Tract	965100

Owner

3431 E Cleveland St is owned and occupied by an individual who bought it in July 2022.

Source: Bureau County records, as of October 2, 2026

Owner of Record	Individual Name on File
Mailing Address	3431 E CLEVELAND ST, LADD, IL 61329-9700
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
Jul 20, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage EUREKA SAVINGS BANK
May 26, 2020	Warranty Deed, Transfer · Conventional Mortgage EUREKA SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2022 · Amount on File
Deed Sale	Jul 20, 2022 · Amount on File
Prior Sale	May 26, 2020 · Amount on File
Deed Document Number	20222757
Prior Transfer Date	May 6, 2020
Prior Transfer Doc	2020R02108
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUREAU IL
Recording Date	Jul 20, 2022
Property Address	3431 E CLEVELAND ST, LADD, IL 61329-9700
Document Number	2022R02757
Map Reference	MB 58583 PG 393
Instrument Date	Jun 30, 2022
Instrument	2022R02757
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$405.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3431 E CLEVELAND ST, LADD, IL 61329-9700

Mortgage

Document Number	2022R02758
Date	Jul 20, 2022
Instrument	2022R02758

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	5.38%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUREAU IL
Property Address	3431 E CLEVELAND ST, LADD, IL 61329-9700
Transaction Type	Mortgage
Record Updated	Dec 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R05222
Date	Nov 16, 2021
Instrument	2021R05222

Lender

Name	EUREKA SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2036

Interest

Rate Type	Fixed Rate

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUREAU IL
Recording Date	May 26, 2020
Property Address	3431 E CLEVELAND ST, LADD, IL 61329-9700
Document Number	2020R02108
Instrument Date	May 6, 2020
Instrument	2020R02108
Transaction Type	Transfer
Record Updated	Jun 1, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$61.50
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3431 E CLEVELAND ST, LADD, IL 61329-9700

Mortgage

Document Number	2020R02109
Date	May 26, 2020
Instrument	2020R02109

Lender

Name	EUREKA SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	2.5%

Tax Assessment & Valuation

The 2025 property tax bill for 3431 E Cleveland St was $10,091 with a homeowner's exemption, up 5.1% from the year before.

Source: Bureau County assessment roll, as of May 8, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Bureau County
County Subdivision	Hall Township
Municipality	Ladd Village
Elementary School District	Dalzell School District 98 (KG - 08)
Secondary School District	Hall High School District 502 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,091.00 (+5.15%) Homeowner's exemption	$103,998 (+8.56%) Land $11,100 Building $92,898	$311,994 (+8.56%) Land $33,300 Building $278,694
2024	$9,597.00	$95,798 (+6.64%) Land $10,225 Building $85,573	$287,394 (+6.64%) Land $30,675 Building $256,719
2023		$89,833 Land $9,588 Building $80,245	$269,499 Land $28,764 Building $240,735
2022	$10,572.00

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 3431 E Cleveland St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 2, 2011 · 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 Policies	1 in force

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 3431 E Cleveland 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 98% of the US · lower than 86% 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	LADD serves 1,263 people · EPA ID IL0110450
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	Under 1 ppb (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	None 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
IVNet Fixed Wireless	100 / 50
Nextlink Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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