370 W Mill St, Ruma (Red Bud), IL 62278 Property Records

Randolph County property record for 370 W Mill St, Ruma, IL 62278 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Lot Size	3.61 acres (157,252 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Jan 2026)
Tax Bill	$4,544 (2024)
Deeds & Mortgages	Dec 2024 Mortgage Apr 2005 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-052-012-50`

Property Details

APN / Parcel Number

Primary APN	`14-052-012-50`

Exterior

Lot Area	157,252 sqft (3.61 acres)

Location & Zoning

Street Address	370 W MILL ST
City	RUMA
State	IL
Zip	62278-2706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	617/882 679/744 2011R01340 2020R01930 LOT 5 SHADY BROOK S/D
Legal Subdivision	SHADY BROOK
Legal Lot Number	5
Jurisdiction	RANDOLPH IL
Township / Civil Division	RUMA
Census Block Group	2
Census Block	2038
Census Tract	950900

Owner

Source: Randolph County records · APN 14-052-012-50

Assessment roll updated September 29, 2025 · Last verified July 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 File
Mailing Address	370 W MILL ST, RUMA, IL 62278-2706
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2024	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Apr 15, 2005	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jan 21, 2026	Warranty Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jun 08, 2020	Special Warranty Deed, Transfer · VA Mortgage DELMAR FINANCIAL CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 21, 2026 · Amount on Record
Deed Sale	Jan 21, 2026 · Amount on Record
Prior Sale	Jun 08, 2020 · Amount on Record
Deed Document Number	2026212
Prior Transfer Date	Mar 26, 2011
Prior Transfer Doc	0201101340
Record Updated	Sep 20, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANDOLPH IL
Property Address	370 W MILL ST, RUMA, IL 62278-2706
Transaction Type	Mortgage
Record Updated	Feb 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024R03714
Date	Dec 30, 2024
Instrument	2024R03714

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jan 01, 2052

Interest

Rate Type	Fixed Rate
Rate	5.63%

April 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANDOLPH IL
Property Address	370 W MILL ST, RUMA, IL 62278-2706
Transaction Type	Mortgage
Record Updated	Feb 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00788/0001
Date	Apr 15, 2005
Book Page	788/0001
Instrument	219752

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50306

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 01, 2020

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RANDOLPH IL
Recording Date	Jan 21, 2026
Property Address	370 W MILL ST, RUMA, IL 62278-2706
Document Number	2026R00212
Map Reference	CAB 5 JKT 75
Instrument Date	Jan 14, 2026
Instrument	2026R00212
Transaction Type	Transfer
Record Updated	Feb 03, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	370 W MILL ST, RUMA, IL 62278-2706

Mortgage

Document Number	2026R00213
Date	Jan 21, 2026
Instrument	2026R00213

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2056

Interest

Rate	5.75%

June 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	RANDOLPH IL
Recording Date	Jun 08, 2020
Property Address	370 W MILL ST, RUMA, IL 62278-2706
Document Number	2020R01930
Map Reference	PC 5 JAC 75
Instrument Date	May 22, 2020
Instrument	2020R01930
Transaction Type	Transfer
Record Updated	Aug 05, 2022
Title Company	MONROE CMNTY TITLE, MONROE COUNTY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$326.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	370 W MILL ST, RUMA, IL 62278-2706

Mortgage

Document Number	2020R01931
Date	Jun 08, 2020
Instrument	2020R01931

Lender

Name	DELMAR FINANCIAL CO

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	3.63%

Tax Assessment & Valuation

Source: Randolph County records · Assessment roll updated September 29, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Randolph County
Unified School District	Red Bud Community Unit School District 132 (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$92,940 (+6.83%) Land $7,520 Building $85,420	$278,820 (+6.83%) Land $22,560 Building $256,260
2024	$4,544.00 (+14.23%) Homeowner's exemption	$87,000 (+14.2%) Land $7,040 Building $79,960	$261,000 (+14.2%) Land $21,120 Building $239,880
2022	$3,978.00 Homeowner's exemption	$76,180 Land $6,170 Building $70,010	$228,540 Land $18,510 Building $210,030

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Randolph County (17157C), updated August 18, 2022 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 171579509002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (1993)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Aug 1993, other causes, Severe Storms & Flooding
Claims By Storm	Severe Storms & Flooding, Aug 1993 · 3 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 21 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
HTC Holding	Fixed Wireless (unlicensed)	50 / 10
HTC Holding	DSL	30 / 3
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: HTC Holding. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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