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

Randolph County property record for 400 W Mill St, Ruma, IL 62278

Property Summary

Property Type	Single Family Home
Lot Size	2.7 acres (117,612 sqft)
Owner	2 Individual Names on Record
Last Sale	$238,000 (Mar 2021)
Tax Bill	$4,813 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-052-015-00`

Property Details

APN / Parcel Number

Primary APN	`14-052-015-00`

Exterior

Lot Area	117,612 sqft (2.7 acres)

Location & Zoning

Street Address	400 W MILL ST
City	RUMA
State	IL
Zip	62278-2708
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	440/60 2013R04225 2021R01409 LOT 101 2.70 AC DONALD NEVOIS S/D OF PT LOT 7 SHADY BROOK S/D
Legal Subdivision	SHADY BROOK
Legal Lot Number	7,101
Jurisdiction	RANDOLPH IL
Township / Civil Division	RUMA
Census Block Group	2
Census Block	2038
Census Tract	950900

Owner

Source: Randolph 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	400 W MILL ST, RUMA, IL 62278-2708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2021 · Amount on Record
Deed Sale	Mar 29, 2021 · Amount on Record
Deed Document Number	20211409
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RANDOLPH IL
Recording Date	Mar 29, 2021
Property Address	400 W MILL ST, RUMA, IL 62278-2708
Document Number	2021R01409
Map Reference	PC 5 JAC 76
Instrument Date	Dec 26, 2020
Instrument	2021R01409
Transaction Type	Transfer
Record Updated	Aug 5, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$357.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	400 W MILL ST, RUMA, IL 62278-2708

Mortgage

Document Number	2021R01410
Date	Mar 29, 2021
Instrument	2021R01410

Lender

Name	CMG MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	2.75%

Tax Assessment & Valuation

Source: Randolph County assessment roll, as of October 13, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,813.00 (+7.31%) Homeowner's exemption	$98,150 (+6.83%) Land $15,845 Building $82,305	$294,450 (+6.83%) Land $47,535 Building $246,915
2024	$4,485.00 (+15.35%) Homeowner's exemption	$91,875 (+14.21%) Land $14,830 Building $77,045	$275,625 (+14.21%) Land $44,490 Building $231,135
2022	$3,888.00 Homeowner's exemption	$80,445 Land $12,980 Building $67,465	$241,335 Land $38,940 Building $202,395

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, 2022 · 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	4 in force
Nearby Flood Claims	3 (1993)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Aug 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 3 claims

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	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Harrisonville Telephone Company Fixed Wireless · DSL	50 / 10

Cell Coverage

5G (outdoors only) and 4G LTE

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