408 W 3rd St, Sparta, IL 62286 Property Records

Randolph County property record for 408 W 3rd St, Sparta, IL 62286

Property Summary

Property Type	Single Family Home
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Deeds & Mortgages	Nov 2025 Mortgage Sep 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`19-105-006-00`

Property Details

APN / Parcel Number

Primary APN	`19-105-006-00`

Exterior

Lot Area	11,761 sqft (0.27 acres)

Location & Zoning

Street Address	408 W 3RD ST
City	SPARTA
State	IL
Zip	62286-1736
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	219/666 221/458 677/305 760/407 2014R03818 2015R01835 2021R03793 20' OFF E SIDE OF LOT 4 ALL LOT 3 BLK 1 ETHEL H GORDONS S/D
Legal Subdivision	ETHEL H GORDONS
Legal Block	1
Legal Lot Number	3,4
Jurisdiction	RANDOLPH IL
Township / Civil Division	SPARTA
Census Block Group	5
Census Block	5043
Census Tract	950600

Owner

408 W 3rd St is owned and occupied by an individual who acquired it in September 2021.

Source: Randolph County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	408 W 3RD ST, SPARTA, IL 62286-1736
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Nov 5, 2025	Deed of Trust, Mortgage · Closed-End Mortgage THE FIRST NATIONAL BANK OF SPARTA
Sep 24, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 24, 2021
Transfer Doc	2021R03793
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANDOLPH IL
Property Address	408 W 3RD ST, SPARTA, IL 62286-1736
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 W 3RD ST, SPARTA, IL 62286-1736
Investor	Possibly a Property Investor

Mortgage

Document Number	2025R03237
Date	Nov 5, 2025
Instrument	2025R03237

Lender

Name	THE FIRST NATIONAL BANK OF SPARTA
Type	Bank
Address	SPARTA, IL 62286

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	239 Months
Due	Oct 21, 2045

Interest

Rate	8.75%

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	RANDOLPH IL
Recording Date	Sep 24, 2021
Property Address	408 W 3RD ST, SPARTA, IL 62286-1736
Document Number	2021R03793
Map Reference	BK F PG 14
Instrument Date	Sep 24, 2021
Instrument	2021R03793
Transaction Type	Transfer
Record Updated	Oct 13, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 W 3RD ST, SPARTA, IL 62286-1736
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Randolph County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Randolph County
Municipality	Sparta City
Unified School District	Sparta Community Unit School District 140 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption Disabled Person's exemption	$25,020 (+6.83%) Land $3,425 Building $21,595	$75,060 (+6.83%) Land $10,275 Building $64,785
2024	Homeowner's exemption	$23,420 Land $3,205 Building $20,215	$70,260 Land $9,615 Building $60,645
2022	Homeowner's exemption	$21,585 Land $2,805 Building $18,780	$64,755 Land $8,415 Building $56,340

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

Flood

FEMA maps place 408 W 3rd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 18, 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

Wildfire risk around 408 W 3rd St is low, with 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	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	SPARTA serves 4,395 people · EPA ID IL1570600
Water Source	Surface water
Last State Inspection	May 2024
Lead	5 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jan 2021
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024 Organic carbon removal Oct 2017
Monitoring and Reporting	4 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 162 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Sparklight Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: ClearWave.

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