407 Elm St, Spring Valley, IL 61362 Property Records

Bureau County property record for 407 Elm St, Spring Valley, IL 61362

Property Summary

Property Type	Single Family Home
Details	built 1976
Lot Size	0.552 acres (24,060 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Jul 2023)
Tax Bill	$7,075 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`18-36-356-004`

Property Details

APN / Parcel Number

Primary APN	`18-36-356-004`
Alternative APN	`2678`

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	24,060 sqft (0.552 acres)
Lot Dimensions	240 ft deep x 100 ft wide

Location & Zoning

Account Number	1836356004
Street Address	407 ELM ST
City	SPRING VALLEY
State	IL
Zip	61362-2311
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING VALLEY-COVENY'S SD L 7 BLK 6 (100X240.63) D 23-2189
Legal Range	11
Legal Township	16
Legal Section	36
Legal Subdivision	COVENY'S SD
Legal Block	6
Legal Lot Number	7
Jurisdiction	BUREAU IL
Township / Civil Division	HALL
Census Block Group	1
Census Block	1000
Census Tract	965200

Owner

Source: Bureau County records, as of June 2, 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	407 ELM ST, SPRING VALLEY, IL 61362-2311
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST FSB
Dec 21, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage HEARTLAND BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2023 · Amount on Record
Deed Sale	Jul 10, 2023 · Amount on Record
Deed Document Number	20232189
Prior Transfer Date	Nov 1, 2021
Prior Transfer Doc	2021R05730
Record Updated	Sep 20, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUREAU IL
Recording Date	Jul 10, 2023
Property Address	407 ELM ST, SPRING VALLEY, IL 61362-2311
Document Number	2023R02189
Instrument Date	Jul 6, 2023
Instrument	2023R02189
Transaction Type	Transfer
Record Updated	Aug 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 ELM ST, SPRING VALLEY, IL 61362-2311

Mortgage

Document Number	2023R02190
Date	Jul 10, 2023
Instrument	2023R02190

Lender

Name	FIRST FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2038

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUREAU IL
Recording Date	Dec 21, 2021
Property Address	407 ELM ST, SPRING VALLEY, IL 61362-2311
Document Number	2021R05730
Instrument Date	Nov 1, 2021
Instrument	2021R05730
Transaction Type	Transfer
Record Updated	Jan 5, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 ELM ST, SPRING VALLEY, IL 61362-2311

Mortgage

Document Number	2021R05731
Date	Dec 21, 2021
Instrument	2021R05731

Lender

Name	HEARTLAND BANK & TRUST CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	3.38%

Tax Assessment & Valuation

Source: Bureau County assessment roll, as of May 8, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Bureau County
County Subdivision	Hall Township
Municipality	Spring Valley City
Secondary School District	Hall High School District 502 (09 - 12)
Elementary School District	Spring Valley Community Consolidated School District 99 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,075.00 (+30.46%) Homeowner's exemption	$75,249 (+8.56%) Land $4,084 Building $71,165	$225,747 (+8.56%) Land $12,252 Building $213,495
2024	$5,423.00 (+31.91%)	$69,316 (+15.57%) Land $3,762 Building $65,554	$207,948 (+15.57%) Land $11,286 Building $196,662
2023		$59,975 (+8.41%) Land $3,528 Building $56,447	$179,925 (+8.41%) Land $10,584 Building $169,341
2022	$4,111.00	$55,322 Land $3,254 Building $52,068	$165,966 Land $9,762 Building $156,204

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 August 2, 2011

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	Low lower than 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	SPRING VALLEY serves 5,582 people · EPA ID IL0111000
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2026–2028) 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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
IVNet Fixed Wireless	100 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Geneseo Communications Services, Nextlink.

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