407 Smith St, Colchester, IL 62326 Property Records

McDonough County property record for 407 Smith St, Colchester, IL 62326

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,062 sqft · built 1928
Lot Size	0.191 acres (8,324 sqft)
Owner	2 Individual Names on File
Last Sale	$30,000 (Oct 2025)
Tax Bill	$1,602 (2025)
Deeds & Mortgages	Oct 2025 Sale
APN	`05-000-848-00`

Property Details

APN / Parcel Number

Primary APN	`05-000-848-00`

Interior

Bedrooms	3 Beds
Stories	1 Story
Building Area	1,062 sqft Living Area

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Exterior Material	Other
Lot Area	8,324 sqft (0.191 acres)
Garage Area	48 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	407 SMITH ST
City	COLCHESTER
State	IL
Zip	62326-1145
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK 2 ROBERTS 3RD ADD
Legal Subdivision	ROBERTS 3RD ADD
Legal Block	2
Legal Lot Number	3
Jurisdiction	MCDONOUGH IL
Township / Civil Division	COLCHESTER
Census Block Group	3
Census Block	3029
Census Tract	11100

Owner

407 Smith St is owned and occupied by two individuals who bought it in October 2025.

Source: McDonough County records, as of August 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	407 SMITH ST, COLCHESTER, IL 62326-1145
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2025 · Amount on File
Deed Sale	Oct 17, 2025 · Amount on File
Prior Sale	Jun 19, 2020 · Amount on File
Deed Document Number	20252926
Prior Transfer Date	May 15, 2025
Prior Transfer Doc	0020252926
Record Updated	Sep 20, 2026

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCDONOUGH IL
Recording Date	Oct 17, 2025
Property Address	407 SMITH ST, COLCHESTER, IL 62326-1145
Document Number	0020252926
Instrument Date	May 15, 2025
Instrument	2025-2926
Transaction Type	Transfer
Record Updated	Oct 31, 2025

Transaction

Amount	Amount on Record
Tax	$30.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7280 E 600TH ST, COLCHESTER, IL 62326-1804

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	407 SMITH ST, COLCHESTER, IL 62326-1145

Tax Assessment & Valuation

The 2025 property tax bill for 407 Smith St was $1,602 with a homeowner's exemption, up 10.3% from the year before.

Source: McDonough County assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	McDonough County
County Subdivision	Colchester Township
Municipality	Colchester City
Unified School District	West Prairie Community Unit School District 103 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,602.00 (+10.25%) Homeowner's exemption	$21,699 (+7.14%) Land $2,654 Building $19,045	$65,097 (+7.14%) Land $7,962 Building $57,135
2024	$1,453.00 (+7.15%) Homeowner's exemption	$20,253 (+5.69%) Land $2,477 Building $17,776	$60,759 (+5.69%) Land $7,431 Building $53,328
2023	$1,356.00	$19,163 Land $2,344 Building $16,819	$57,489 Land $7,032 Building $50,457

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 407 Smith St.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 407 Smith St is low, with less than 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 94% of the US · lower than 61% 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	COLCHESTER serves 1,395 people · EPA ID IL1090200
Water Source	Purchased surface water from MACOMB
Last State Inspection	Aug 2025
Lead	Under 1 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 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
MTC Communications Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20