409 E Main St, Rochester, IL 62563 Property Records

Sangamon County property record for 409 E Main St, Rochester, IL 62563

Property Summary

Property Type	Single Family Home
Lot Size	0.251 acres (10,958 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Dec 2023)
Tax Bill	$10,524 (2025)
Deeds & Mortgages	Feb 2024 Construction Loan May 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`23-15.0-326-003`

Property Details

APN / Parcel Number

Primary APN	`23-15.0-326-003`
Alternative APN	`23150326003 (CHECK DIGIT = 6)`

Exterior

Lot Area	10,958 sqft (0.251 acres)

Location & Zoning

Account Number	23150326003
Street Address	409 E MAIN ST
City	ROCHESTER
State	IL
Zip	62563-9532
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L 17 MAIN STREET ROCHESTER ORIGINAL TOWN
Legal Subdivision	TOWN OF ROCHESTER
Jurisdiction	SANGAMON IL
Township / Civil Division	ROCHESTER
Census Block Group	2
Census Block	2047
Census Tract	3902

Owner

Source: Sangamon 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	409 E MAIN ST, ROCHESTER, IL 62563-9532
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2024	Deed of Trust, Mortgage · Construction Mortgage SECURITY BANK
May 8, 2025	Deed of Trust, Mortgage · Conventional Mortgage SECURITY BANK
Feb 21, 2024	Deed of Trust, Mortgage · Construction Mortgage SECURITY BANK
Dec 8, 2023	Warranty Deed, Transfer · Line of Credit INB NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2023 · Amount on Record
Deed Sale	Dec 8, 2023 · Amount on Record
Prior Sale	Jun 11, 2008 · Amount on Record
Deed Document Number	202322411
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANGAMON IL
Property Address	409 E MAIN ST, ROCHESTER, IL 62563-9532
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024R02577
Date	Feb 21, 2024
Instrument	2024R02577

Lender

Name	SECURITY BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 1, 2025

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANGAMON IL
Property Address	409 E MAIN ST, ROCHESTER, IL 62563-9532
Transaction Type	Mortgage
Record Updated	Jun 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025R07459
Date	May 8, 2025
Instrument	2025R07459

Lender

Name	SECURITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2055

Interest

Rate Type	Fixed Rate
Rate	7.25%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANGAMON IL
Property Address	409 E MAIN ST, ROCHESTER, IL 62563-9532
Transaction Type	Mortgage
Record Updated	Mar 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024R02577
Date	Feb 21, 2024
Instrument	2024R02577

Lender

Name	SECURITY BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 1, 2025

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANGAMON IL
Recording Date	Dec 8, 2023
Property Address	409 E MAIN ST, ROCHESTER, IL 62563-9532
Document Number	2023R22411
Instrument Date	Dec 5, 2023
Instrument	2023R22411
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$187.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1 MARKWOOD LN, SPRINGFIELD, IL 62712-8724

Mortgage

Document Number	2023R22412
Date	Dec 8, 2023
Instrument	2023R22412

Lender

Name	INB NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Sangamon County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Sangamon County
County Subdivision	Rochester Township
Municipality	Rochester Village
Unified School District	Rochester Community Unit School District 3A (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,524.00 (+145.37%)	$157,167 (+173.57%) Land $9,650 Building $147,517	$471,501 (+173.57%) Land $28,950 Building $442,551
2022	$4,289.00	$57,450 Land $7,895 Building $49,555	$172,350 Land $23,685 Building $148,665

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 May 4, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	3 (1994–2013)
Claims Outside the SFHA	1 of 3
Most Recent Claim	May 2013 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 1996 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 99.1% of the US · lower than 94% 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	ROCHESTER serves 3,856 people · EPA ID IL1671000
Water Source	Purchased surface water from SPRINGFIELD
Last State Inspection	Jun 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	1 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 334 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Computer Techniques Fiber	1,000 / 1,000
Nextlink Fixed Wireless	1,000 / 500
Rise Broadband Fixed Wireless	300 / 60
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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