400 Heern Rd, Cobden, IL 62920 Property Records

Union County property record for 400 Heern Rd, Cobden, IL 62920

Property Summary

Property Type	Single Family Home
Lot Size	1.96 acres (85,378 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Mar 2017)
Tax Bill	$2,177 (2025)
Deeds & Mortgages	Apr 2019 Mortgage Mar 2017 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`04-11-02-189-A`

Property Details

APN / Parcel Number

Primary APN	`04-11-02-189-A`
Alternative APN	`04-11-300-011`

Exterior

Lot Area	85,378 sqft (1.96 acres)

Location & Zoning

Street Address	400 HEERN RD
City	COBDEN
State	IL
Zip	62920-3108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S11 T11 R1W SW CR SW SW
Legal Range	01W
Legal Township	11
Legal Section	11
Jurisdiction	UNION IL
Township / Civil Division	COBDEN DISTRICT 1
Census Block Group	2
Census Block	2016
Census Tract	950100

Owner

Source: Union County records, as of October 20, 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	400 HEERN RD, COBDEN, IL 62920-3108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2019	Deed of Trust, Mortgage · ARM LOANDEPOT.COM LLC
Mar 17, 2017	Warranty Deed, Transfer · Line of Credit ANNA-JONESBORO NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2017 · Amount on Record
Deed Sale	Mar 17, 2017 · Amount on Record
Deed Document Number	2017525
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION IL
Property Address	400 HEERN RD, COBDEN, IL 62920-3108
Transaction Type	Mortgage
Record Updated	Jun 4, 2019
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R0529
Date	Apr 3, 2019
Instrument	2019R0529

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Apr 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION IL
Recording Date	Mar 17, 2017
Property Address	400 HEERN RD, COBDEN, IL 62920-3108
Document Number	2017R0525
Map Reference	MB 299 PG 547
Instrument Date	Mar 7, 2017
Instrument	2017R0525
Transaction Type	Transfer
Record Updated	Jul 23, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 HEERN RD, COBDEN, IL 62920-3108

Mortgage

Document Number	2017R0526
Date	Mar 17, 2017
Instrument	2017R0526

Lender

Name	ANNA-JONESBORO NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 17, 2047

Tax Assessment & Valuation

Source: Union County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Union County
Unified School District	Cobden School Unit District 17 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,177.00 (+11.18%)	$49,450 (+24.28%) Land $4,770 Building $44,680	$148,350 (+24.28%) Land $14,310 Building $134,040
2022	$1,958.00 Homeowner's exemption	$39,790 Land $3,842 Building $35,948	$119,370 Land $11,526 Building $107,844

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 May 2, 2008

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	25 / 6

May also be available: Frontier, T-Mobile.

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