402 Bluff Ridge Rd, Grafton, IL 62037 Property Records

Jersey County property record for 402 Bluff Ridge Rd, Grafton, IL 62037

Property Summary

Property Type	Single Family Home
Details	1,541 sqft · built 2004
Lot Size	0.689 acres (30,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Apr 2024)
Tax Bill	$1,397 (2024)
Deeds & Mortgages	Feb 2022 Refinance Sep 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-250-100-10`

Property Details

APN / Parcel Number

Primary APN	`08-250-100-10`
Alternative APN	`250-100-10`

Interior

Stories	1 Story
Building Area	1,541 sqft Total Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	30,000 sqft (0.689 acres)
Lot Dimensions	100 ft deep x 300 ft wide

Location & Zoning

Account Number	250-100-10
Street Address	402 BLUFF RIDGE RD
City	GRAFTON
State	IL
Zip	62037-4401
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL TOWN OF GRAFTON LOTS 1-12 & S1/2 VAC COLUMBIA ST (N OF E1/2 VINE ST, LOTS 4-6, & PT LOT 3) BLK 50 6-03 15K 2004 1STY
Legal Subdivision	CITY OF GRAFTON
Legal Block	50
Legal Lot Number	3,1-12
Jurisdiction	JERSEY IL
Township / Civil Division	QUARRY
Census Block Group	1
Census Block	1108
Census Tract	10500

Owner

Source: Jersey County records, as of October 8, 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	402 BLUFF RIDGE RD, GRAFTON, IL 62037-4401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CNB BANK
Sep 5, 2023	Deed of Trust, Mortgage ROYAL BANK OF JERSEYVILLE
Apr 25, 2024	Warranty Deed, Transfer · Conventional Mortgage REGIONS BANK
Mar 21, 2023	Quit Claim Deed, Transfer PREFERRED TITLE, PREFERRED TITLE & ESCROW INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2024 · Amount on Record
Deed Sale	Apr 25, 2024 · Amount on Record
Deed Document Number	2024173799
Prior Transfer Date	Mar 15, 2023
Prior Transfer Doc	202300170633
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JERSEY IL
Property Address	402 BLUFF RIDGE RD, GRAFTON, IL 62037-4401
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200167238
Date	Feb 16, 2022
Instrument	202200167238

Lender

Name	CNB BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JERSEY IL
Property Address	402 BLUFF RIDGE RD, GRAFTON, IL 62037-4401
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300172031
Date	Sep 5, 2023
Instrument	202300172031

Lender

Name	ROYAL BANK OF JERSEYVILLE
Type	Bank

Agreement

Amount	Amount Recorded

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JERSEY IL
Recording Date	Apr 25, 2024
Property Address	402 BLUFF RIDGE RD, GRAFTON, IL 62037-4401
Document Number	202400173799
Instrument Date	Apr 25, 2024
Instrument	202400173799
Transaction Type	Transfer
Record Updated	May 14, 2024
Title Company	PREFERRED TITLE, PREFERRED TITLE & ESCROW INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	402 BLUFF RIDGE RD, GRAFTON, IL 62037-4401
Investor	Possibly a Property Investor

Mortgage

Document Number	202400173800
Date	Apr 25, 2024
Instrument	202400173800

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JERSEY IL
Recording Date	Mar 21, 2023
Property Address	402 BLUFF RIDGE RD, GRAFTON, IL 62037-4401
Document Number	202300170633
Instrument Date	Mar 15, 2023
Instrument	202300170633
Transaction Type	Transfer
Record Updated	Apr 12, 2023
Title Company	PREFERRED TITLE, PREFERRED TITLE & ESCROW INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	402 BLUFF RIDGE RD, GRAFTON, IL 62037-4401

Tax Assessment & Valuation

Source: Jersey County assessment roll, as of September 14, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Jersey County
County Subdivision	Quarry Township
Unified School District	Jersey Community Unit School District 100 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption	$105,760 (+12%) Land $20,880 Building $84,880	$317,280 (+12%) Land $62,640 Building $254,640
2024	$1,397.00 (-73.86%)	$94,430 (+12.32%) Land $18,645 Building $75,785	$283,290 (+12.32%) Land $55,935 Building $227,355
2022	$5,344.00 Homeowner's exemption Senior Citizen's exemption	$84,070 Land $16,600 Building $67,470	$252,210 Land $49,800 Building $202,410

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 April 2, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 54 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	54 in force
Nearby Flood Claims	1,095 (1978–2024)
Claims Outside the SFHA	47 of 1,095
Most Recent Claim	Jul 2024 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jun 2019 · 223 claims Severe Storms & Flooding, Sep 1993 · 316 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	Direct burnable vegetation

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	IL AMERICAN-ALTON private · serves 46,127 people · EPA ID IL1195150
Water Source	Surface water
Last State Inspection	Jan 2024
Lead	3 ppb (2026–2028) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Grafton Technologies Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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