4 Spring Terrace Ct, Columbia, IL 62236 Property Records

Monroe County property record for 4 Spring Terrace Ct, Columbia, IL 62236

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,457 sqft · built 1994
Lot Size	0.37 acres (16,332 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Feb 2023)
Tax Bill	$5,513 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-15-349-039-000`

Property Details

APN / Parcel Number

Primary APN	`04-15-349-039-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	1,457 sqft Living Area
1st Floor Area	1,457 sqft
Basement Area	1,457 sqft
Unfinished Basement	1,457 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Construction Type	Frame
Lot Area	16,332 sqft (0.37 acres)
Garage Area	400 sqft
Driveway	Concrete Driveway
Driveway Area	684 sqft

Exterior Amenities

Porch	Slab
Porch Area	90 sqft
Patio Area	200 sqft
Shed	1 Shed
Shed Area	144 sqft
Gazebo	130 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4 SPRING TERRACE CT
City	COLUMBIA
State	IL
Zip	62236-2048
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR5
Legal Description	LOT 39 HERITAGE HEIGHTS
Legal Range	10W
Legal Township	01S
Legal Section	15
Legal Subdivision	HERITAGE HEIGHTS
Legal Lot Number	39
Jurisdiction	MONROE IL
Township / Civil Division	36
Census Block Group	2
Census Block	2010
Census Tract	600103

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	4 SPRING TERRACE CT, COLUMBIA, IL 62236-2048
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MTG CORP
Feb 14, 2023	Joint Tenancy Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2023 · Amount on Record
Deed Sale	Feb 14, 2023 · Amount on Record
Deed Document Number	2023427911
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	4 SPRING TERRACE CT, COLUMBIA, IL 62236-2048
Transaction Type	Mortgage
Record Updated	Jan 28, 2026
Title Company	COMMUNITY TITLE AND ESCROW, COMMUNITY TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000440880
Date	Jan 14, 2026
Instrument	440880

Lender

Name	FAIRWAY INDEPENDENT MTG CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.88%

February 2023: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	MONROE IL
Recording Date	Feb 14, 2023
Property Address	4 SPRING TERRACE CT, COLUMBIA, IL 62236-2048
Document Number	0000427911
Map Reference	DOC 160675
Instrument Date	Feb 13, 2023
Instrument	427911
Transaction Type	Transfer
Record Updated	Mar 1, 2023
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$457.50
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1421 SOPHIA CT, COLUMBIA, IL 62236-1017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4 SPRING TERRACE CT, COLUMBIA, IL 62236-2048

Mortgage

Document Number	0000427912
Date	Feb 14, 2023
Instrument	427912

Lender

Name	LUMINATE HOME LOANS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.13%

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	$5,513.00 (+2.3%) Homeowner's exemption	$100,710 (+31.03%) Land $19,820 Building $80,890	$302,130 (+31.03%) Land $59,460 Building $242,670
2024	$5,389.00
2022	Additional exemption filed	$76,860 Land $16,490 Building $60,370	$230,580 Land $49,470 Building $181,110

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
Nearby Flood Policies	1 in force

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	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 299 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	100 / 20

May also be available: AT&T, Verizon, Wisper ISP.

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