Adams County property record for 407 Willow St, Payson, IL 62360
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.36 acres (15,551 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $124,900 (Mar 2021) |
| Tax Bill | $2,855 (2024) |
| Deeds & Mortgages | May 2009 Mortgage Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 180069909700 |
| Primary APN | 180069909700 |
|---|
| Lot Area | 15,551 sqft (0.36 acres) |
|---|
| Street Address | 407 WILLOW ST |
|---|---|
| City | PAYSON |
| State | IL |
| Zip | 62360-1126 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 11 BLK 5 BRIARWOOD SUB SECOND ADDN LOT 11 |
| Legal Range | 7W |
| Legal Township | 3S |
| Legal Section | 17 |
| Legal Subdivision | BRIARWOOD SUB SECOND ADD |
| Legal Block | 5 |
| Legal Lot Number | 11 |
| Jurisdiction | ADAMS IL |
| Township / Civil Division | PAYSON |
| Census Block Group | 3 |
| Census Block | 3029 |
| Census Tract | 10302 |
Source: Adams County records, as of August 4, 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 WILLOW ST, PAYSON, IL 62360-1126 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 27, 2009 | Deed of Trust, Mortgage · Conventional Mortgage STATE STREET BANK & TRUST CO |
| Dec 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STATE STREET BANK & TRUST CO |
| Mar 12, 2021 | Warranty Deed, Transfer · USDA Mortgage USDA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 12, 2021 · Amount on Record |
| Deed Sale | Mar 12, 2021 · Amount on Record |
| Deed Document Number | 20212469 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAMS IL |
| Property Address | 407 WILLOW ST, PAYSON, IL 62360-1126 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0709/06946 |
|---|---|
| Date | May 27, 2009 |
| Book Page | 709/06946 |
| Name | STATE STREET BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | QUINCY, IL 62306 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAMS IL |
| Property Address | 407 WILLOW ST, PAYSON, IL 62360-1126 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 2020R12554 |
|---|---|
| Date | Dec 22, 2020 |
| Instrument | 2020R-12554 |
| Name | STATE STREET BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 144 Months |
| Due | Dec 15, 2032 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ADAMS IL |
| Recording Date | Mar 12, 2021 |
| Property Address | 407 WILLOW ST, PAYSON, IL 62360-1126 |
| Document Number | 2021R02469 |
| Instrument Date | Mar 8, 2021 |
| Instrument | 2021R-02469 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Title Company | TITLE CTRS, TITLE CENTER |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $187.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 407 WILLOW ST, PAYSON, IL 62360-1126 |
| Document Number | 2021R02470 |
|---|---|
| Date | Mar 12, 2021 |
| Instrument | 2021R-02470 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $52,280 (+7.99%) Land $5,810 Building $46,470 | $156,840 (+7.99%) Land $17,430 Building $139,410 | |
| 2024 | $2,855.00 (+12.53%) | $48,410 (+12.98%) Land $5,380 Building $43,030 | $145,230 (+12.98%) Land $16,140 Building $129,090 |
| 2022 | $42,850 Land $4,760 Building $38,090 | $128,550 Land $14,280 Building $114,270 | |
| 2021 | $2,537.00 |
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.
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 | Low lower than 96% of the US · lower than 74% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PAYSON serves 1,386 people · EPA ID IL0010550 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Lead | 2 ppb (2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 89 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 |
| Illinois Net Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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