402 Main St, Ruma (Red Bud), IL 62278 Property Records

Randolph County property record for 402 Main St, Ruma, IL 62278

Property Summary

Property Type	Single Family Home
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$25,000 (Mar 2022)
Tax Bill	$814 (2024)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-144-004-00`

Property Details

APN / Parcel Number

Primary APN	`13-144-004-00`

Exterior

Lot Area	12,197 sqft (0.28 acres)

Location & Zoning

Street Address	402 MAIN ST
City	RUMA
State	IL
Zip	62278-2722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	193/37 843/498 2011R01674 2022R00843 LOT 1 BLK 1 GEORGE W AND A W BAKERS ADD
Legal Subdivision	GEORGE W AND A W BAKERS ADD
Legal Block	1
Legal Lot Number	1
Jurisdiction	RANDOLPH IL
Township / Civil Division	RUMA
Census Block Group	2
Census Block	2012
Census Tract	950900

Owner

Source: Randolph County records, as of July 20, 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 MAIN ST, RUMA, IL 62278-2722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CU
Mar 17, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2022 · Amount on Record
Deed Sale	Mar 17, 2022 · Amount on Record
Prior Sale	May 3, 2011 · Amount on Record
Deed Document Number	2022843
Transfer Doc	201101674
Record Updated	Sep 20, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RANDOLPH IL
Recording Date	Mar 17, 2022
Property Address	402 MAIN ST, RUMA, IL 62278-2722
Document Number	2022R00843
Instrument Date	Mar 15, 2022
Instrument	2022R00843
Transaction Type	Transfer
Record Updated	Apr 13, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$37.50
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	402 MAIN ST, RUMA, IL 62278-2722

Mortgage

Document Number	2022R00844
Date	Mar 17, 2022
Instrument	2022R00844

Lender

Name	FIRST COMMUNITY CU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	4.13%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RANDOLPH IL
Recording Date	Mar 17, 2022
Property Address	402 MAIN ST, RUMA, IL 62278-2722
Document Number	2022R00843
Instrument Date	Mar 15, 2022
Instrument	2022R00843
Transaction Type	Transfer
Record Updated	Apr 13, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$37.50
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	402 MAIN ST, RUMA, IL 62278-2722

Mortgage

Document Number	2022R00844
Date	Mar 17, 2022
Instrument	2022R00844

Lender

Name	FIRST COMMUNITY CU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	4.13%

Tax Assessment & Valuation

Source: Randolph County assessment roll, as of September 29, 2025

Property Jurisdictions

Type	Name
State	Illinois
County	Randolph County
Municipality	Ruma Village
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		$15,870 (+6.58%) Land $3,865 Building $12,005	$47,610 (+6.58%) Land $11,595 Building $36,015
2024	$814.00 (+14.49%)	$14,890 (+14.54%) Land $3,625 Building $11,265	$44,670 (+14.54%) Land $10,875 Building $33,795
2022	$711.00	$13,000 Land $3,165 Building $9,835	$39,000 Land $9,495 Building $29,505

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 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	RUMA serves 341 people · EPA ID IL1570550
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Harrisonville Telephone Company DSL · Fiber in parts of the area	100 / 20

May also be available: ClearWave.

Cell Coverage

5G (outdoors only) and 4G LTE

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