3630 E Hardy St, Decatur, IL 62521 Property Records

Macon County property record for 3630 E Hardy St, Decatur, IL 62521

Property Summary

Property Type	Single Family Home
Details	1 ba · 728 sqft · built 1919
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$37,000 (Aug 2019)
Tax Bill	$924 (2025)
Deeds & Mortgages	Sep 2007 Mortgage Aug 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-13-18-230-028`

Property Details

APN / Parcel Number

Primary APN	`04-13-18-230-028`
Alternative APN	`13-18-230-028`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	728 sqft Living Area
1st Floor Area	728 sqft
Basement Area	1,016 sqft
Unfinished Basement	1,016 sqft

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Exterior Material	Wood
Construction Type	Frame
Lot Area	6,970 sqft (0.16 acres)
Porch	Slab
Porch Area	88 sqft

Location & Zoning

Account Number	041318230028
Street Address	3630 E HARDY ST
City	DECATUR
State	IL
Zip	62521-2432
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNICIPAL
Legal Description	LAKE BEACH ADD LTS 12 & 13 & 13' N & ADJ IRREG
Legal Range	03E
Legal Township	16N
Legal Section	18
Legal Subdivision	LAKE BEACH ADD
Legal Lot Number	12-13
Jurisdiction	MACON IL
Township / Civil Division	DECATUR
Census Block Group	1
Census Block	1051
Census Tract	1100

Owner

Source: Macon County records, as of June 5, 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	3630 E HARDY ST, DECATUR, IL 62521-2432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2007	Deed of Trust, Mortgage · ARM HICKORY POINT BANK & TRUST FSB
Aug 5, 2019	Warranty Deed, Transfer · FHA Mortgage TOWN & COUNTRY BANK
Apr 23, 2012	Warranty Deed, Transfer · Conventional Mortgage THE PRIVATEBANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2019 · Amount on Record
Deed Sale	Aug 5, 2019 · Amount on Record
Prior Sale	Apr 23, 2012 · Amount on Record
Deed Document Number	201949163
Deed Book / Page	4689 / 398
Record Updated	Sep 20, 2026

September 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON IL
Property Address	3630 E HARDY ST, DECATUR, IL 62521-2432
Transaction Type	Mortgage
Record Updated	May 28, 2026
Title Company	CENTRAL FLORIDA TITLE COMPANY, CENTRAL ILLINOIS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003835/092
Date	Sep 4, 2007
Book Page	3835/092
Instrument	1736456

Lender

Name	HICKORY POINT BANK & TRUST FSB
Address	SPRINGFIELD, IL 62704

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Sep 1, 2012
Change Frequency	5 Years
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	5-Year CMT
Margin	2
Max Rate	12.5%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON IL
Recording Date	Aug 5, 2019
Property Address	3630 E HARDY ST, DECATUR, IL 62521-2432
Document Number	004689/398
Book / Page	4689 / 398
Map Reference	PB 300 PG 110
Instrument Date	Jul 30, 2019
Instrument	1949163
Transaction Type	Transfer
Record Updated	May 28, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$55.50
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	0001949164
Date	Aug 5, 2019
Instrument	1949164

Lender

Name	TOWN & COUNTRY BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	004689/415
Date	Aug 5, 2019
Book Page	4689/415
Instrument	1949165

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

April 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON IL
Recording Date	Apr 23, 2012
Property Address	3630 E HARDY ST, DECATUR, IL 62521-2432
Document Number	4213/666
Book / Page	4213 / 666
Instrument Date	Apr 20, 2012
Instrument	4213-666
Transaction Type	Transfer
Record Updated	May 31, 2021
Title Company	DECATUR TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	00000
Investor	Possibly a Property Investor

Mortgage

Document Number	004213/668
Date	Apr 23, 2012
Book Page	4213/668
Instrument	1832670

Lender

Name	THE PRIVATEBANK & TRUST CO
Type	Bank
Address	WORTH, IL 60482

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2042

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Macon County
County Subdivision	Decatur Township
Municipality	Decatur City
Unified School District	Decatur School District 61 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$924.00	$15,906 Land $3,599 Building $12,307	$47,723 Land $10,798 Building $36,925

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 November 28, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1979)
Most Recent Claim	Apr 1979 · 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DECATUR serves 76,122 people · EPA ID IL1150150
Water Source	Surface water
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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 174 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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