401 E Elm St, Waverly, IL 62692 Property Records

Morgan County property record for 401 E Elm St, Waverly, IL 62692

Property Summary

Property Type	Single Family Home
Lot Size	3.33 acres (145,055 sqft)
Owner	Individual Name on Record
Last Sale	$267,500 (May 2023)
Tax Bill	$3,028 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Feb 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`19-12-101-004`

Property Details

APN / Parcel Number

Primary APN	`19-12-101-004`

Exterior

Lot Area	145,055 sqft (3.33 acres)

Location & Zoning

Street Address	401 E ELM ST
City	WAVERLY
State	IL
Zip	62692-8231
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RNG/BLK: TWP:0 SECT/LOT: CITY OF WAVERLY WAVERLY LANDS PT SW NW DOC-437141 3/14/94 95,000
Legal Range	08W
Legal Township	13N
Legal Section	12
Jurisdiction	MORGAN IL
Township / Civil Division	WAVERLY NO. 2
Census Block Group	3
Census Block	3022
Census Tract	952300

Owner

Source: Morgan County records, as of August 18, 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	401 E ELM ST, WAVERLY, IL 62692-8231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2023	Warranty Deed, Transfer · Closed-End Mortgage THE FIRST NATIONAL BANK OF BEARDSTO
Feb 6, 2023	Deed of Trust, Mortgage · Line of Credit WARREN-BOYNTON STATE BANK
Jan 24, 2022	Deed of Trust, Mortgage · Line of Credit WARREN-BOYNTON STATE BANK
Dec 28, 2020	Deed of Trust, Mortgage · Line of Credit WARREN-BOYNTON STATE BANK
Aug 14, 2017	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2023 · Amount on Record
Deed Sale	May 24, 2023 · Amount on Record
Prior Sale	Aug 14, 2017 · Amount on Record
Deed Document Number	2023646915
Record Updated	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN IL
Recording Date	May 24, 2023
Property Address	401 E ELM ST, WAVERLY, IL 62692-8231
Document Number	0000646915
Instrument Date	May 19, 2023
Instrument	646915
Transaction Type	Transfer
Record Updated	Jun 20, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$267.50
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	311 SARATOGA DR, SATSUMA, FL 32189-3003

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	401 E ELM ST, WAVERLY, IL 62692-8231

Mortgage

Document Number	0000646916
Date	May 24, 2023
Instrument	646916

Lender

Name	THE FIRST NATIONAL BANK OF BEARDSTO
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN IL
Property Address	401 E ELM ST, WAVERLY, IL 62692-8231
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000645799
Date	Feb 6, 2023
Instrument	645799

Lender

Name	WARREN-BOYNTON STATE BANK
Type	Bank
Address	MILLERVILLE, AL 36267

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN IL
Property Address	401 E ELM ST, WAVERLY, IL 62692-8231
Transaction Type	Mortgage
Record Updated	Feb 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000641292
Date	Jan 24, 2022
Instrument	641292

Lender

Name	WARREN-BOYNTON STATE BANK
Type	Bank
Address	NEW BERLIN, IL 62670

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jan 10, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN IL
Property Address	401 E ELM ST, WAVERLY, IL 62692-8231
Transaction Type	Mortgage
Record Updated	Apr 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	635371
Date	Dec 28, 2020
Instrument	635371

Lender

Name	WARREN-BOYNTON STATE BANK
Type	Bank
Address	NEW BERLIN, IL 62670

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Dec 10, 2025

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Change Frequency	Monthly

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN IL
Recording Date	Aug 14, 2017
Property Address	401 E ELM ST, WAVERLY, IL 62692-8231
Document Number	0000618147
Instrument Date	Aug 11, 2017
Instrument	618147
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$352.50
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	401 E ELM ST, WAVERLY, IL 62692-8231

Tax Assessment & Valuation

Source: Morgan County assessment roll, as of May 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Morgan County
Municipality	Waverly City
Unified School District	Waverly Community Unit School District 6 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,028.00 (-5.7%)	$53,540 (+11.08%) Land $9,240 Building $44,300	$160,620 (+11.08%) Land $27,720 Building $132,900
2024	$3,211.00 (+18.53%)
2023		$48,200 (-) Land $8,330 Building $39,870	$144,600 (-) Land $24,990 Building $119,610
2022	$2,709.00 (-12.27%) Homeowner's exemption	$48,200 Land $8,330 Building $39,870	$144,600 Land $24,990 Building $119,610
2021	$3,088.00

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, 2009

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 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WAVERLY serves 1,194 people · EPA ID IL1370450
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	2 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	None 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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Royell Communications Fiber	7,000 / 7,000

May also be available: Nextlink.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on E Elm St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures