409 E Elm St, Albion, IL 62806 Property Records

Edwards County property record for 409 E Elm St, Albion, IL 62806

Property Summary

Property Type	Single Family Home
Lot Size	0.844 acres (36,806 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Oct 2025)
Tax Bill	$2,688 (2025)
Deeds & Mortgages	Mar 2009 Mortgage Oct 2025 Sale & Mortgage
APN	`10-01-327-002`

Property Details

APN / Parcel Number

Primary APN	`10-01-327-002`
Alternative APN	`03-2-113-05`

Exterior

Lot Area	36,806 sqft (0.844 acres)

Location & Zoning

Street Address	409 E ELM ST
City	ALBION
State	IL
Zip	62806-1405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AL-2,Q ,S ,T ,R ,L037,B000,P216 BUXTONS REPLAT OF 37 ALL SUBLOTS 3,4,5& W 1/2 6 & 8 FT OFF E 1/2 6 9-12-08 166:216 QCD
Legal Subdivision	OUTLOT 37
Legal Lot Number	3-5
Jurisdiction	EDWARDS IL
Township / Civil Division	ALBION NO. 1
Census Block Group	1
Census Block	1021
Census Tract	957100

Owner

Source: Edwards County records, as of September 23, 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	306 N 1ST ST, ALBION, IL 62806-4497
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2009	Deed of Trust, Mortgage CITIZENS NATIONAL BANK OF ALBION
Oct 24, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2025 · Amount on Record
Deed Sale	Oct 24, 2025 · Amount on Record
Deed Document Number	2025111288
Deed Book / Page	221 / 119
Prior Transfer Date	Mar 8, 2012
Prior Transfer Doc	176/81
Record Updated	Oct 29, 2026

March 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EDWARDS IL
Property Address	409 E ELM ST, ALBION, IL 62806-1405
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E ELM ST, ALBION, IL 62806-1405

Mortgage

Document Number	000367/173
Date	Mar 3, 2009
Book Page	367/173
Instrument	91883

Lender

Name	CITIZENS NATIONAL BANK OF ALBION
Address	PO BOX 100, ALBION, IL 62806

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Mar 3, 2029

Interest

Rate Type	Adjustable Rate

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EDWARDS IL
Recording Date	Oct 24, 2025
Property Address	409 E ELM ST, ALBION, IL 62806-1405
Document Number	000221/119
Book / Page	221 / 119
Instrument Date	Oct 16, 2025
Instrument	111288
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	SOUTHERN IL TITLE INSURANCE SERVICES INC, SOUTHERN IL TTL INS SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 N 1ST ST, ALBION, IL 62806-4497

Mortgage

Document Number	0000111289
Date	Oct 24, 2025
Instrument	111289

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate	5.99%

Tax Assessment & Valuation

Source: Edwards County assessment roll, as of August 7, 2025

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Albion City
County	Edwards County
Unified School District	Edwards County Community Unit School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,688.00 (+12.19%) Homeowner's exemption	$44,690 (+9%) Land $3,670 Building $41,020	$134,070 (+9%) Land $11,010 Building $123,060
2024	$2,396.00 (+25.38%) Homeowner's exemption	$41,000 (+28.25%) Land $3,370 Building $37,630	$123,000 (+28.25%) Land $10,110 Building $112,890
2022		$31,970 Land $2,630 Building $29,340	$95,910 Land $7,890 Building $88,020
2019	$1,911.00

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.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 70% 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	ELLERY WATER CORP private · serves 2,380 people · EPA ID IL0470010
Water Source	Purchased groundwater from ALBION
Last State Inspection	Mar 2024
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 306 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, Wabash Communications, Wisper ISP.

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