406 Main St, Kempton, IL 60946 Property Records

Ford County property record for 406 Main St, Kempton, IL 60946

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,208 sqft · built 1886
Lot Size	0.321 acres (14,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$35,000 (Sep 2021)
Tax Bill	$2,862 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-02-06-129-003`

Property Details

APN / Parcel Number

Primary APN	`02-02-06-129-003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,208 sqft Living Area
Basement Area	928 sqft
Unfinished Basement	928 sqft

Exterior

Year Built	Built 1886
Effective Year Built	Effective 1886
Lot Area	14,000 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	676 sqft

Location & Zoning

Street Address	406 MAIN ST
City	KEMPTON
State	IL
Zip	60946-4100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOTS 3 & 4 BLK 8 KEMPS 3RD ADD 100 X 140 ZONING R-1
Legal Range	09E
Legal Township	28N
Legal Section	06
Legal Subdivision	KEMPS 3RD ADD
Legal Block	8
Legal Lot Number	3,4
Jurisdiction	FORD IL
Township / Civil Division	MONA
Census Block Group	2
Census Block	2320
Census Tract	961600

Owner

Source: Ford County records, as of October 16, 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	406 MAIN ST, KEMPTON, IL 60946-4100
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2023	Deed of Trust, Mortgage · Conventional Mortgage VERMILION VALLEY BANK
Sep 13, 2021	Warranty Deed, Transfer · Conventional Mortgage VERMILION VALLEY BANK
Nov 18, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2021 · Amount on Record
Deed Sale	Sep 13, 2021 · Amount on Record
Prior Sale	Nov 18, 2019 · Amount on Record
Deed Document Number	2021277426
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORD IL
Property Address	406 MAIN ST, KEMPTON, IL 60946-4100
Transaction Type	Mortgage
Record Updated	May 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000281095
Date	Apr 7, 2023
Instrument	281095

Lender

Name	VERMILION VALLEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	48 Months
Due	Nov 5, 2027

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORD IL
Recording Date	Sep 13, 2021
Property Address	406 MAIN ST, KEMPTON, IL 60946-4100
Document Number	277426
Instrument Date	Sep 13, 2021
Instrument	277426
Transaction Type	Transfer
Record Updated	Nov 3, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$52.50
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
Address	406 MAIN ST, KEMPTON, IL 60946-4100
Investor	Possibly a Property Investor

Mortgage

Document Number	277427
Date	Sep 13, 2021
Instrument	277427

Lender

Name	VERMILION VALLEY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORD IL
Recording Date	Nov 18, 2019
Property Address	406 MAIN ST, KEMPTON, IL 60946-4100
Document Number	272135
Map Reference	DB 172 PG 458
Instrument Date	Nov 5, 2019
Instrument	272135
Transaction Type	Transfer
Record Updated	Jul 26, 2021

Transaction

Amount	Amount Recorded
Tax	$48.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	306 W JEFFERY ST, 306, CULLOM, IL 60929-7223

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 MAIN ST, KEMPTON, IL 60946-4100

Tax Assessment & Valuation

Source: Ford County assessment roll, as of October 16, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Ford County
County Subdivision	Mona Township
Municipality	Kempton Village
Unified School District	Tri-Point Community Unit School District 6-J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,862.00 (+39.88%)	$37,080 (+42.23%) Land $2,420 Building $34,660	$111,240 (+42.23%) Land $7,260 Building $103,980
2022	$2,046.00	$26,070 Land $1,700 Building $24,370	$78,210 Land $5,100 Building $73,110

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 May 22, 2022

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 burnable land within ember reach

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	KEMPTON serves 177 people · EPA ID IL0530150
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2025) action level 15 ppb
Copper	1.7 mg/L (2016–2018) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Apr 2019
Monitoring and Reporting	1 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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Watch TV Fixed Wireless	100 / 20

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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