Madison County property record for 409 Miller Ave, Hamel, IL 62046
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,771 sqft · built 2002 |
| Lot Size | 0.318 acres (13,893 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $275,000 (Mar 2023) |
| Tax Bill | $7,586 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Line of Credit Nov 2022 Mortgage + 2 more |
| APN | 11-2-10-14-10-103-014 |
| Primary APN | 11-2-10-14-10-103-014 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,771 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Conventional |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Lot Area | 13,893 sqft (0.318 acres) |
| Lot Dimensions | 124 ft deep x 111 ft wide |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 409 MILLER AVE |
|---|---|
| City | HAMEL |
| State | IL |
| Zip | 62046-1066 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TROTTER'S RUN 1ST ADDN LOT 52 111.5 X 124.6 |
| Legal Subdivision | TROTTER'S RUN 1ST ADDN |
| Legal Lot Number | 52 |
| Jurisdiction | MADISON IL |
| Township / Civil Division | HAMEL |
| Census Block Group | 4 |
| Census Block | 4026 |
| Census Tract | 403801 |
Source: Madison County records, as of June 25, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 409 MILLER AVE, HAMEL, IL 62046-1066 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 23, 2023 | Warranty Deed, Transfer · Line of Credit FCB BANKS |
| Nov 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF HILLSBORO |
| Aug 15, 2022 | Deed, Transfer · Balloon Mortgage BANK OF HILLSBORO |
| Jun 9, 2021 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 23, 2023 · Amount on Record |
| Deed Sale | Mar 23, 2023 · Amount on Record |
| Prior Sale | Aug 15, 2022 · Amount on Record |
| Deed Document Number | 20237662 |
| Prior Transfer Date | Jun 4, 2021 |
| Prior Transfer Doc | 0000024611 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON IL |
| Recording Date | Mar 23, 2023 |
| Property Address | 409 MILLER AVE, HAMEL, IL 62046-1066 |
| Document Number | 0000007662 |
| Map Reference | PC 62 PG 84 |
| Instrument Date | Mar 16, 2023 |
| Instrument | 2023R07662 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2023 |
| Title Company | ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $412.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 409 MILLER AVE, HAMEL, IL 62046-1066 |
| Document Number | 0000007663 |
|---|---|
| Date | Mar 23, 2023 |
| Instrument | 2023R07663 |
| Name | FCB BANKS |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IL |
| Property Address | 409 MILLER AVE, HAMEL, IL 62046-1066 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000035199 |
|---|---|
| Date | Nov 2, 2022 |
| Instrument | 2022R35199 |
| Name | BANK OF HILLSBORO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 1, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 7.5% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 11.5% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON IL |
| Recording Date | Aug 15, 2022 |
| Property Address | 409 MILLER AVE, HAMEL, IL 62046-1066 |
| Document Number | 0000026926 |
| Map Reference | PC 62 PG 84 |
| Instrument Date | Aug 10, 2022 |
| Instrument | 2022R26926 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2022 |
| Title Company | COMMUNITY TITLE AND ESCROW, COMMUNITY TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $396.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 409 MILLER AVE, HAMEL, IL 62046-1066 |
| Document Number | 0000026927 |
|---|---|
| Date | Aug 15, 2022 |
| Instrument | 2022R26927 |
| Name | BANK OF HILLSBORO |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON IL |
| Recording Date | Jun 9, 2021 |
| Property Address | 409 MILLER AVE, HAMEL, IL 62046-1066 |
| Document Number | 0000024611 |
| Map Reference | PC 62 PG 84 |
| Instrument Date | Jun 4, 2021 |
| Instrument | 2021R24611 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14522 N AMBER LN, EFFINGHAM, IL 62401-4341 |
Source: Madison County assessment roll, as of June 25, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Madison County |
| County Subdivision | Hamel Township |
| Municipality | Hamel Village |
| Unified School District | Edwardsville Community Unit School District 7 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,586.00 (+9.69%) | $116,420 (+35.23%) Land $18,230 Building $98,190 | $349,260 (+35.1%) Land $54,690 Building $294,570 |
| 2024 | $6,916.00 (+9.26%) | ||
| 2022 | $6,330.00 | $86,090 Land $13,480 Building $72,610 | $258,528 Land $40,480 Building $218,048 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 2 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 79% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HAMEL serves 1,087 people · EPA ID IL1190450 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 52 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Madison Communications Fiber | 1,000 / 150 |
| Wisper ISP Fixed Wireless | 400 / 30 |
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