404 W Edwards St, Payson, IL 62360 Property Records

Adams County property record for 404 W Edwards St, Payson, IL 62360

Property Summary

Property Type	Single Family Home
Lot Size	0.47 acres (20,345 sqft)
Owner	Individual Name on Record
Last Sale	$227,500 (Jul 2023)
Tax Bill	$4,224 (2024)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`180049700100`

Property Details

APN / Parcel Number

Primary APN	`180049700100`

Exterior

Lot Area	20,345 sqft (0.47 acres)

Location & Zoning

Street Address	404 W EDWARDS ST
City	PAYSON
State	IL
Zip	62360-1002
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 98 ORIGINAL PAYSON LOT 98
Legal Range	7W
Legal Township	3S
Legal Section	7
Legal Subdivision	SCARBOROUGH BERNARD & THOMPSON
Legal Lot Number	98
Jurisdiction	ADAMS IL
Township / Civil Division	PAYSON
Census Block Group	3
Census Block	3006
Census Tract	10302

Owner

Source: Adams County records, as of August 4, 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	404 W EDWARDS ST, PAYSON, IL 62360-1002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2023	Warranty Deed, Transfer · Conventional Mortgage LIBERTY BANK
Mar 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2023 · Amount on Record
Deed Sale	Jul 5, 2023 · Amount on Record
Deed Document Number	20233882
Record Updated	Sep 20, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAMS IL
Recording Date	Jul 5, 2023
Property Address	404 W EDWARDS ST, PAYSON, IL 62360-1002
Document Number	2023R03882
Instrument Date	Jun 29, 2023
Instrument	2023R-03882
Transaction Type	Transfer
Record Updated	Aug 2, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$327.75
Amount Accuracy	Rounded by County
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	404 W EDWARDS ST, PAYSON, IL 62360-1002

Mortgage

Document Number	2023R03883
Date	Jul 5, 2023
Instrument	2023R-03883

Lender

Name	LIBERTY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IL
Property Address	404 W EDWARDS ST, PAYSON, IL 62360-1002
Transaction Type	Mortgage
Record Updated	Oct 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R03064
Date	Mar 29, 2021
Instrument	2021R-03064

Lender

Name	HOME BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Adams County assessment roll, as of May 4, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Adams County
County Subdivision	Payson Township
Municipality	Payson Village
Unified School District	Payson Community Unit School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$74,360 (+32.27%) Land $8,580 Building $65,780	$223,080 (+32.27%) Land $25,740 Building $197,340
2024	$4,224.00 (+88.57%)
2022		$56,220 Land $7,020 Building $49,200	$168,660 Land $21,060 Building $147,600
2021	$2,240.00

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 July 23, 2018

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	Not rated no wildfire likelihood modeled here

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	PAYSON serves 1,386 people · EPA ID IL0010550
Water Source	Groundwater
Last State Inspection	Nov 2025
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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Adams Telsystems Fiber	1,000 / 1,000
Nextlink Fixed Wireless	800 / 400
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Illinois Net.

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