38 Ramey Ln, Litchfield, IL 62056 Property Records

Montgomery County property record for 38 Ramey Ln, Litchfield, IL 62056

Property Summary

Property Type	Single Family Home
Lot Size	10.6 acres (463,914 sqft)
Owner	2 Individual Names on Record
Last Sale	$46,000 (Apr 2017)
Tax Bill	$6,224 (2025)
Deeds & Mortgages	May 2018 Construction Loan Jan 2020 Mortgage + 3 more
APN	`15-03-400-049`

Property Details

APN / Parcel Number

Primary APN	`15-03-400-049`
Alternative APN	`16-000-092-05`

Exterior

Lot Area	463,914 sqft (10.6 acres)

Location & Zoning

Street Address	38 RAMEY LN
City	LITCHFIELD
State	IL
Zip	62056-4576
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10.65 TR LYG W1/2 SE1/4 SEC 8-5-92-1 S3 T8 R5
Legal Range	05
Legal Township	08
Legal Section	03
Jurisdiction	MONTGOMERY IL
Township / Civil Division	SOUTH LITCHFIELD
Census Block Group	3
Census Block	3006
Census Tract	957600

Owner

Source: Montgomery County records, as of July 21, 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	250 FLAT SCHOOL LN, LITCHFIELD, IL 62056-4569
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 9, 2018	Deed of Trust, Mortgage · Construction Mortgage BANK & TRUST CO
Jan 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK & TRUST CO
Jun 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK & TRUST CO
Apr 21, 2017	Deed, Transfer COMMUNITY TITLE II LP
Apr 21, 2017	Deed, Transfer · Conventional Mortgage BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2017 · Amount on Record
Deed Sale	Apr 21, 2017 · Amount on Record
Prior Sale	Oct 15, 2013 · Amount on Record
Deed Document Number	20171470
Record Updated	Sep 20, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IL
Property Address	38 RAMEY LN, LITCHFIELD, IL 62056-4576
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201801520
Date	May 9, 2018
Instrument	201801520

Lender

Name	BANK & TRUST CO
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 4, 2019

Interest

Rate Type	Fixed Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IL
Property Address	38 RAMEY LN, LITCHFIELD, IL 62056-4576
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001713/689
Date	Jan 27, 2020
Book Page	1713/689
Instrument	202000298

Lender

Name	BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jan 23, 2025

Interest

Rate Type	Adjustable Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IL
Property Address	38 RAMEY LN, LITCHFIELD, IL 62056-4576
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201901891
Date	Jun 19, 2019
Instrument	201901891

Lender

Name	BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 2049

Interest

Rate Type	Adjustable Rate

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY IL
Recording Date	Apr 21, 2017
Property Address	38 RAMEY LN, LITCHFIELD, IL 62056-4576
Document Number	201701470
Instrument Date	Apr 21, 2017
Instrument	201701470
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	COMMUNITY TITLE II LP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$69.00
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	250 FLAT SCHOOL LN, LITCHFIELD, IL 62056-4569

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY IL
Recording Date	Apr 21, 2017
Property Address	38 RAMEY LN, LITCHFIELD, IL 62056-4576
Document Number	0201701470
Instrument Date	Apr 21, 2017
Instrument	201701470
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	COMMUNITY TITLE II LP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$69.00
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	250 FLAT SCHOOL LN, LITCHFIELD, IL 62056-4569

Mortgage

Document Number	0201701471
Date	Apr 21, 2017
Instrument	201701471

Lender

Name	BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	5%

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Montgomery County
County Subdivision	South Litchfield Township
Unified School District	Litchfield Community Unit School District 12 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,224.00	$92,880 Land $8,480 Building $84,400	$278,640 Land $25,440 Building $253,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	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	LITCHFIELD serves 6,648 people · EPA ID IL1350400
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Dec 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Nextlink Fixed Wireless	500 / 100
Fidium Fiber DSL	50 / 5
Royell Communications Fixed Wireless	25 / 5

May also be available: Verizon.

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