344 E Montgomery St, Niantic, IL 62551 Property Records

Macon County property record for 344 E Montgomery St, Niantic, IL 62551

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,192 sqft · built 1900
Lot Size	0.379 acres (16,500 sqft)
Owner	Individual Name on File
Last Sale	$105,000 (Sep 2020)
Tax Bill	$3,019 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Sep 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`13-10-11-228-008`

Property Details

APN / Parcel Number

Primary APN	`13-10-11-228-008`
Alternative APN	`10-11-228-008`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,192 sqft Living Area
1st Floor Area	1,192 sqft
Basement Area	1,192 sqft
Unfinished Basement	1,192 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood
Construction Type	Frame
Lot Area	16,500 sqft (0.379 acres)
Lot Dimensions	109 ft deep x 150 ft wide
Garage Type	Detached
Garage Area	900 sqft
Porch	Slab
Porch Area	288 sqft

Location & Zoning

Account Number	131011228008
Street Address	344 E MONTGOMERY ST
City	NIANTIC
State	IL
Zip	62551-4059
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNICIPAL
Legal Description	H NOTTLEMANS SUBD E109.56 S150 W 2 1/2 ACS LOT 3 95BK2627/458 150X109.56
Legal Range	01W
Legal Township	16N
Legal Section	11
Legal Subdivision	H NOTTLEMANS SUBD
Legal Lot Number	3
Jurisdiction	MACON IL
Township / Civil Division	NIANTIC
Census Block Group	3
Census Block	3005
Census Tract	2800

Owner

344 E Montgomery St is owned and occupied by an individual who bought it in September 2020.

Source: Macon County records, as of June 5, 2026

Owner of Record	Individual Name on File
Mailing Address	344 E MONTGOMERY ST, NIANTIC, IL 62551-4059
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
Sep 24, 2020	Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK
Sep 24, 2020	Warranty Deed, Transfer MACON COUNTY TITLE LLC, MACON COUNTY TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 24, 2020 · Amount on File
Deed Sale	Sep 24, 2020 · Amount on File
Prior Sale	Sep 24, 2020 · Amount on File
Deed Document Number	20201967464
Deed Book / Page	4770 / 209
Prior Transfer Date	Jun 17, 2010
Prior Transfer Doc	4071/724
Record Updated	Sep 20, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON IL
Recording Date	Sep 24, 2020
Property Address	344 E MONTGOMERY ST, NIANTIC, IL 62551-4059
Document Number	4770/209
Book / Page	4770 / 209
Map Reference	PB 93 PG 3
Instrument Date	Sep 22, 2020
Instrument	1967464
Transaction Type	Transfer
Record Updated	May 31, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$157.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1967465
Date	Sep 24, 2020
Instrument	1967465

Lender

Name	BUSEY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	2.38%

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON IL
Recording Date	Sep 24, 2020
Property Address	344 E MONTGOMERY ST, NIANTIC, IL 62551-4059
Document Number	4770/207
Book / Page	4770 / 207
Map Reference	PB 93 PG 3
Instrument Date	Sep 11, 2018
Instrument	1967463
Transaction Type	Transfer
Record Updated	May 31, 2021
Title Company	MACON COUNTY TITLE LLC, MACON COUNTY TITLE

Transaction

Amount	Amount on Record
Tax	$70.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	344 E MONTGOMERY ST, NIANTIC, IL 62551-4059

Tax Assessment & Valuation

The 2025 property tax bill for 344 E Montgomery St was $3,019 with a homeowner's exemption, up 2.3% from the year before.

Source: Macon County assessment roll, as of June 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Macon County
County Subdivision	Niantic Township
Municipality	Niantic Village
Unified School District	Sangamon Valley Community Unit School District 9 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,019.00 (+2.34%) Homeowner's exemption	$42,224 (+3.38%) Land $3,437 Building $38,787	$126,685 (+3.38%) Land $10,312 Building $116,373
2024	$2,950.00	$40,844 Land $3,325 Building $37,519	$122,544 Land $9,976 Building $112,568

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 344 E Montgomery St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 28, 2024

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

Wildfire risk around 344 E Montgomery 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 97% of the US · lower than 79% 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	EJ WATER-NIANTIC serves 648 people · EPA ID IL1150400
Water Source	Purchased groundwater from UNITED REGIONAL WATER COOP
Last State Inspection	Jan 2024
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 114 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

Cell Coverage

5G (outdoors only) and 4G LTE

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