348 E Ridge Rd, Columbia, IL 62236 Property Records

Monroe County property record for 348 E Ridge Rd, Columbia, IL 62236

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,110 sqft · built 1989
Lot Size	0.7 acres (30,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Dec 2023)
Tax Bill	$7,121 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Feb 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-22-301-015-000`

Property Details

APN / Parcel Number

Primary APN	`04-22-301-015-000`
Alternative APN	`04221110101500 00`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,110 sqft Living Area
1st Floor Area	2,110 sqft
Basement Area	525 sqft
Unfinished Basement	525 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Construction Type	Frame
Foundation Type	Raised
Lot Area	30,492 sqft (0.7 acres)
Garage Area	728 sqft
Driveway	Concrete Driveway
Driveway Area	1,200 sqft

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Deck Area	276 sqft
Patio Area	168 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	348 E RIDGE RD
City	COLUMBIA
State	IL
Zip	62236-1955
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR3
Legal Description	LOT 15 BURROUGHS ROAD TRACT 1
Legal Range	10W
Legal Township	01S
Legal Section	22
Legal Subdivision	BURROUGHS ROAD TRACT
Legal Tract	1
Legal Lot Number	15
Jurisdiction	MONROE IL
Township / Civil Division	25
Census Block Group	2
Census Block	2086
Census Tract	600102

Owner

Source: Monroe County records, as of October 13, 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	348 E RIDGE RD, COLUMBIA, IL 62236-1955
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2023	Warranty Deed, Transfer · VA Mortgage CARROLLTON BANK
Feb 21, 2017	Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK
Oct 24, 2017	Deed of Trust, Mortgage · VA Mortgage MONEY SOURCE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2023 · Amount on Record
Deed Sale	Dec 1, 2023 · Amount on Record
Deed Document Number	2023431335
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Dec 1, 2023
Property Address	348 E RIDGE RD, COLUMBIA, IL 62236-1955
Document Number	0000431335
Map Reference	DOC 145496
Instrument Date	Dec 1, 2023
Instrument	431335
Transaction Type	Transfer
Record Updated	Dec 20, 2023
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$645.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	576 LACROIX WAY, COLUMBIA, IL 62236-2858

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	348 E RIDGE RD, COLUMBIA, IL 62236-1955

Mortgage

Document Number	0000431336
Date	Dec 1, 2023
Instrument	431336

Lender

Name	CARROLLTON BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	348 E RIDGE RD, COLUMBIA, IL 62236-1955
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000388397
Date	Feb 21, 2017
Instrument	388397

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Mar 1, 2042

Interest

Rate Type	Fixed Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	348 E RIDGE RD, COLUMBIA, IL 62236-1955
Document Number	0000392733
Instrument Date	Oct 24, 2017
Transaction Type	Mortgage
Record Updated	Nov 20, 2017
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	348 E RIDGE RD COLUMBIA IL 622361955, COLUMBIA, IL 62236-1955

Mortgage

Document Number	0000392733
Date	Oct 31, 2017
Instrument	392733

Lender

Name	MONEY SOURCE
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Oct 30, 2042

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Municipality	Columbia City
Unified School District	Columbia Community Unit School District 4 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,121.00 (+4.54%) Homeowner's exemption	$128,400 (+22.39%) Land $23,990 Building $104,410	$385,200 (+22.39%) Land $71,970 Building $313,230
2024	$6,812.00
2022	Additional exemption filed	$104,910 Land $21,140 Building $83,770	$314,730 Land $63,420 Building $251,310

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

Source: FEMA National Flood Hazard Layer, effective August 18, 2025 · 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
Flood Insurance Cost	Premium on Record median of 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	20 (1993–2024)
Claims Outside the SFHA	14 of 20
Most Recent Claim	Jul 2024 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, Aug 1993 · 14 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

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	Direct burnable vegetation

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	COLUMBIA serves 11,129 people · EPA ID IL1330050
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2023
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	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 197 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Harrisonville Telephone Company DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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