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409 S State St, Litchfield, IL 62056 Property Records

Montgomery County property record for 409 S State St, Litchfield, IL 62056

Property Summary

Property TypeSingle Family Home
Details1,088 sqft · built 1930
Lot Size0.198 acres (8,628 sqft)
Owner2 Individual Names on File
Last Sale$133,500 (Oct 2017)
Tax Bill$4,305 (2025)
Deeds & MortgagesJul 2018 Mortgage
Oct 2017 Sale & Mortgage
APN15-04-129-030

Property Details

APN / Parcel Number

Primary APN15-04-129-030
Alternative APN
  • 16-000-802-00

Interior

Building Area1,088 sqft Total Area

Exterior

Year BuiltBuilt 1930
Effective Year BuiltEffective 1930
Lot Area8,628 sqft (0.198 acres)

Location & Zoning

Street Address409 S STATE ST
CityLITCHFIELD
StateIL
Zip62056-2230
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 3 & S 5 FT LOT 2 BLK 53 ORIGINAL TOWN HUGGINS ADD 8-5-802 S T00 R
Legal SubdivisionORIGINAL TOWN HUGGINS ADD
Legal Block53
Legal Lot Number2,3
JurisdictionMONTGOMERY IL
Township / Civil DivisionSOUTH LITCHFIELD
Census Block Group3
Census Block3056
Census Tract957800

Owner

409 S State St is owned and occupied by two individuals who bought it in October 2017.

Source: Montgomery County records, as of July 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address409 S STATE ST, LITCHFIELD, IL 62056-2230
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 11, 2018Deed of Trust, Mortgage · Conventional Mortgage
BANK & TRUST CO
Oct 24, 2017Deed, Transfer · Conventional Mortgage
BANK & TRUST CO

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 24, 2017 · Amount on File
Deed SaleOct 24, 2017 · Amount on File
Prior SaleSep 1, 2002 · Amount on File
Deed Document Number20173871
Record UpdatedSep 20, 2026

July 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONTGOMERY IL
Property Address409 S STATE ST, LITCHFIELD, IL 62056-2230
Transaction TypeMortgage
Record UpdatedAug 1, 2018

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number201802258
DateJul 11, 2018
Instrument201802258
Lender
NameBANK & TRUST CO
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueAug 1, 2048
Interest
Rate TypeFixed Rate

October 2017: Deed, Transfer

Document TypeDeed
JurisdictionMONTGOMERY IL
Recording DateOct 24, 2017
Property Address409 S STATE ST, LITCHFIELD, IL 62056-2230
Document Number201703871
Instrument DateOct 16, 2017
Instrument201703871
Transaction TypeTransfer
Record UpdatedJul 26, 2021
Title CompanyCOMMUNITY TITLE

Transaction

AmountAmount on Record
Tax$200.25
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address409 S STATE ST, LITCHFIELD, IL 62056-2230

Mortgage

Document Number201703873
DateOct 24, 2017
Instrument201703873
Lender
NameBANK & TRUST CO
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term12 Months
DueOct 20, 2018
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 409 S State St was $4,305 with a homeowner's exemption.

Source: Montgomery County assessment roll, as of July 21, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyMontgomery County
County SubdivisionSouth Litchfield Township
MunicipalityLitchfield City
Unified School DistrictLitchfield Community Unit School District 12 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,305.00$54,950 Land $5,830 Building $49,120$164,850 Land $17,490 Building $147,360

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

FEMA has no flood map on file for 409 S State St; there have been 1 flood claim nearby since 2002.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneNot on file
Nearby Flood Claims1 (2002)
Most Recent ClaimMay 2002 · rainfall accumulation

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

The area around 409 S State St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire RiskNot rated
no burnable land within 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 SystemLITCHFIELD
serves 6,648 people · EPA ID IL1350400
Water SourceSurface water
Last State InspectionDec 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTurbidity
resolved · Dec 2025
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting6
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 274 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Computer Techniques
Fiber		2,000 / 2,000
Sparklight
Cable		1,000 / 50
Nextlink
Fixed Wireless		800 / 400
Fidium Fiber
DSL · Fiber in parts of the area		500 / 75
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20

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