405 W Main St, Ava, IL 62907 Property Records

Jackson County property record for 405 W Main St, Ava, IL 62907

Property Summary

Property Type	Single Family Home
Details	3 bd · 650 sqft · built 1918
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Sep 2020)
Tax Bill	$5,185 (2025)
Deeds & Mortgages	Sep 2020 Sale & Refinance May 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`02-25-184-008`

Property Details

APN / Parcel Number

Primary APN	`02-25-184-008`
Alternative APN	`02-25-184-008-0040`

Interior

Bedrooms	3 Beds
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	650 sqft Base Area
1st Floor Area	650 sqft
2nd Floor Area	1,300 sqft
Basement Area	650 sqft
Unfinished Basement	650 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1940
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	21,344 sqft (0.49 acres)
Garage Type	Carport
Carport	Carport
Porch	Slab
Pole Barn	1,880 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	405 W MAIN ST
City	AVA
State	IL
Zip	62907-2576
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	89' W SIDE PT E1/2 NW1/4 29-7-4 .49 PL. ACRES 1000/1000 & 1003 998/118 749/454 724/406 2005/26737 (DN 3454939)
Jurisdiction	JACKSON IL
Township / Civil Division	BRADLEY
Census Block Group	2
Census Block	2039
Census Tract	10100

Owner

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

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

Owner of Record	2 Individual Names on File
Mailing Address	405 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 17, 2020	Warranty Deed, Transfer · Stand-Alone Refinance FIRST STATE BANK
May 29, 2020	Loan Modification, Mortgage FIRST STATE BK CAMPBELL HILL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2020 · Amount on File
Deed Sale	Sep 17, 2020 · Amount on File
Deed Document Number	20204422
Prior Transfer Date	Jun 8, 2005
Prior Transfer Doc	0000345939
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON IL
Recording Date	Sep 17, 2020
Property Address	405 W MAIN ST, AVA, IL 62907-2576
Document Number	0000004422
Instrument Date	Sep 15, 2020
Instrument	2020R004422
Transaction Type	Transfer
Record Updated	Sep 15, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	405 W MAIN ST, AVA, IL 62907-2576

Mortgage

Document Number	0000004423
Date	Sep 17, 2020
Instrument	2020R004423

Lender

Name	FIRST STATE BANK

Agreement

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

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	JACKSON IL
Property Address	405 W MAIN ST, AVA, IL 62907-2576
Document Number	0000002503
Instrument Date	May 29, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	405 W MAIN ST AVA IL 629072576, AVA, IL 62907-2576

Mortgage

Document Number	0000002503
Date	Jun 5, 2020
Instrument	2503

Lender

Name	FIRST STATE BK CAMPBELL HILL
Address	CAMPBELL HILL, IL 62916

Agreement

Amount	Amount on Record
Term	36 Months
Due	Jun 4, 2023

Interest

Rate	4.75%

Tax Assessment & Valuation

The 2025 property tax bill for 405 W Main St was $5,185 with a homeowner's exemption, up 2.9% 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	$5,185.00 (+2.92%) Homeowner's exemption	$72,571 Land $2,339 Building $70,232	$217,713 Land $7,017 Building $210,696
2024	$5,038.00
2022	$4,100.00 Homeowner's exemption	$53,352 Land $1,719 Building $51,633	$160,056 Land $5,157 Building $154,899

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 405 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 405 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

Nearby Properties on W Main St

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