Adams County property record for 406 N Main St, Payson, IL 62360
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $255,000 (Feb 2026) |
| Tax Bill | $283 (2024) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage Dec 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 180072500000 |
| Primary APN | 180072500000 |
|---|
| Lot Area | 10,890 sqft (0.25 acres) |
|---|
| Street Address | 406 N MAIN ST |
|---|---|
| City | PAYSON |
| State | IL |
| Zip | 62360-1172 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | SW SEC 08 3S7W BEG 832FT N SW COR LOT 100 X 100FT NW SW SEC 8 |
| Legal Range | 07W |
| Legal Township | 03S |
| Legal Section | 08 |
| Legal Lot Number | 100 |
| Jurisdiction | ADAMS IL |
| Township / Civil Division | PAYSON |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 10302 |
Source: Adams County records, as of June 30, 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 N MAIN ST, PAYSON, IL 62360-1172 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 26, 2026 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Dec 12, 2022 | Warranty Deed, Transfer · Conventional Mortgage LIBERTY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 26, 2026 · Amount on Record |
| Deed Sale | Feb 26, 2026 · Amount on Record |
| Prior Sale | Dec 12, 2022 · Amount on Record |
| Deed Document Number | 2026992 |
| Prior Transfer Date | Feb 24, 2025 |
| Prior Transfer Doc | 2025R03938 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ADAMS IL |
| Recording Date | Feb 26, 2026 |
| Property Address | 406 N MAIN ST, PAYSON, IL 62360-1172 |
| Document Number | 2026R00992 |
| Instrument Date | Feb 23, 2026 |
| Instrument | 2026R-00992 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $382.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 507 N MAIN ST, PAYSON, IL 62360-1162 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 406 N MAIN ST, PAYSON, IL 62360-1172 |
| Document Number | 2026R00993 |
|---|---|
| Date | Feb 26, 2026 |
| Instrument | 2026R-00993 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ADAMS IL |
| Recording Date | Dec 12, 2022 |
| Property Address | 406 N MAIN ST, PAYSON, IL 62360-1172 |
| Document Number | 2022R08705 |
| Instrument Date | Dec 2, 2022 |
| Instrument | 2022R-08705 |
| Transaction Type | Transfer |
| Record Updated | Dec 28, 2022 |
| Title Company | THE TITLE CENTER/FL, THE TITLE CENTER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $15.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | PO BOX 5102, PAYSON, IL 62360 |
| Document Number | 2022R08706 |
|---|---|
| Date | Dec 12, 2022 |
| Instrument | 2022R-08706 |
| Name | LIBERTY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
Source: Adams County assessment roll, as of May 4, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,690 (+8.06%) Land $4,690 | $14,070 (+8.06%) Land $14,070 | |
| 2024 | $283.00 (-79.19%) | $4,340 (-71.35%) Land $4,340 | $13,020 (-71.35%) Land $13,020 |
| 2022 | $15,150 Land $3,840 Building $11,310 | $45,450 Land $11,520 Building $33,930 | |
| 2021 | $1,360.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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.
Source: FCC Broadband Data Collection, based on 204 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 | 700 / 300 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Illinois Net Fixed Wireless | 100 / 20 |
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