401 W Main St, Ava, IL 62907 Property Records

Jackson County property record for 401 W Main St, Ava, IL 62907

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,470 sqft · built 1939
Lot Size	0.62 acres (27,007 sqft)
Owner	2 Individual Names on File
Last Sale	$109,500 (Feb 2020)
Tax Bill	$3,652 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Jul 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-25-184-010`

Property Details

APN / Parcel Number

Primary APN	`02-25-184-010`
Alternative APN	`02-25-184-010-0040`

Interior

Bedrooms	3 Beds
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,470 sqft
Attic	Attic
Attic Area	1,470 sqft
Basement Area	1,470 sqft
Unfinished Basement	1,470 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	27,007 sqft (0.62 acres)
Garage Type	Attached
Garage Area	624 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	401 W MAIN ST
City	AVA
State	IL
Zip	62907-2576
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	120' E SIDE PT E1/2 NW1/4 25-7-4 .62 PL. ACRES 998/118 749/438 595/553 2020R000482
Legal Subdivision	JOHNSONS ADD
Jurisdiction	JACKSON IL
Township / Civil Division	BRADLEY
Census Block Group	2
Census Block	2039
Census Tract	10100

Owner

401 W Main St is owned and occupied by two individuals who bought it in February 2020.

Source: Jackson County records, as of September 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	401 W MAIN ST, AVA, IL 62907-2576
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2018	Deed of Trust, Mortgage FIRST MID B&Y
Jul 9, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST NATIONAL BANK OF AVA
Feb 7, 2020	Warranty Deed, Transfer · Stand-Alone Refinance FIRST NATIONAL BANK OF AVA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2020 · Amount on File
Deed Sale	Feb 7, 2020 · Amount on File
Deed Document Number	2020482
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON IL
Property Address	401 W MAIN ST, AVA, IL 62907-2576
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004531
Date	Sep 4, 2018
Instrument	2018R004531

Lender

Name	FIRST MID B&Y

Agreement

Amount	Amount on Record
Term	232 Months
Due	Jan 1, 2038

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON IL
Property Address	401 W MAIN ST, AVA, IL 62907-2576
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003123
Date	Jul 9, 2020
Instrument	2020R003123

Lender

Name	FIRST NATIONAL BANK OF AVA

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON IL
Recording Date	Feb 7, 2020
Property Address	401 W MAIN ST, AVA, IL 62907-2576
Document Number	0000000482
Instrument Date	Feb 7, 2020
Instrument	2020R000482
Transaction Type	Transfer
Record Updated	Sep 15, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$109.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 W MAIN ST, AVA, IL 62907-2576

Mortgage

Document Number	0000000483
Date	Feb 7, 2020
Instrument	2020R000483

Lender

Name	FIRST NATIONAL BANK OF AVA

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	13 Months
Due	Mar 1, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 401 W Main St was $3,652 with a homeowner's exemption, up 3.2% from the year before.

Source: Jackson County assessment roll, as of September 9, 2026

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Ava City
County	Jackson County
County Subdivision	Bradley Township
Unified School District	Trico Community Unit School District 176 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,652.00 (+3.22%) Homeowner's exemption	$52,933 Land $2,968 Building $49,965	$158,799 Land $8,904 Building $149,895
2024	$3,538.00
2022	$2,853.00 Homeowner's exemption	$38,915 Land $2,182 Building $36,733	$116,745 Land $6,546 Building $110,199

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

FEMA maps place 401 W Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1980.

Source: FEMA National Flood Hazard Layer, effective June 11, 2019 · 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 Claims	1 (1980)
Most Recent Claim	Apr 1980 · rainfall accumulation

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

Wildfire risk around 401 W Main St is low, with a 0.01% annual chance of 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ORAVILLE WATER DISTRICT serves 1,108 people · EPA ID IL0775250
Water Source	Purchased surface water from KINKAID AREA WATER SYSTEM
Last State Inspection	May 2025
Also Mapped Here	AVA
Lead	1 ppb (2022–2024) 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 198 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BLIP Networks Fixed Wireless	500 / 500
Wisper ISP Fixed Wireless	400 / 30
Frontier DSL	115 / 7

May also be available: ClearWave, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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