Monroe County property record for 411 E Locust St, Columbia, IL 62236
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,488 sqft · built 2004 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $270,000 (Aug 2021) |
| Tax Bill | $6,284 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Aug 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-15-169-078-000 |
| Primary APN | 04-15-169-078-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,488 sqft Living Area |
| 1st Floor Area | 1,488 sqft |
| Basement Area | 1,488 sqft |
| Unfinished Basement | 1,488 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Construction Type | Frame |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Area | 480 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 900 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 80 sqft |
| Deck Area | 404 sqft |
| Patio Area | 204 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 411 E LOCUST ST |
|---|---|
| City | COLUMBIA |
| State | IL |
| Zip | 62236-2051 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CR5 |
| Legal Description | LOT 78 2ND ADDN HERITAGE HEIGHTS |
| Legal Range | 10W |
| Legal Township | 01S |
| Legal Section | 15 |
| Legal Subdivision | HERITAGE HEIGHTS |
| Legal Lot Number | 78 |
| Jurisdiction | MONROE IL |
| Township / Civil Division | 36 |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 600103 |
Source: Monroe County records, as of October 13, 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 | 411 E LOCUST ST, COLUMBIA, IL 62236-2051 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 26, 2026 | Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION |
| Aug 12, 2021 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Oct 26, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 12, 2021 · Amount on Record |
| Deed Sale | Aug 12, 2021 · Amount on Record |
| Deed Document Number | 2021419046 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Aug 26, 2026 |
| Property Address | 411 E LOCUST ST, COLUMBIA, IL 62236-2051 |
| Document Number | 0000444114 |
| Instrument Date | Aug 21, 2026 |
| Instrument | 2026444114 |
| Transaction Type | Mortgage |
| Record Updated | Sep 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 411 E LOCUST ST, COLUMBIA, IL 62236-2051 |
| Document Number | 0000444114, |
|---|---|
| Date | Aug 26, 2026 |
| Instrument | 2026444114 |
| Name | UNION CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Aug 30, 2051 |
| Rate | 6.75% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE IL |
| Recording Date | Aug 12, 2021 |
| Property Address | 411 E LOCUST ST, COLUMBIA, IL 62236-2051 |
| Document Number | 0000419046 |
| Instrument Date | Aug 9, 2021 |
| Instrument | 419046 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2021 |
| Title Company | ACCENT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $405.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 411 E LOCUST ST, COLUMBIA, IL 62236-2051 |
| Document Number | 0000419047 |
|---|---|
| Date | Aug 12, 2021 |
| Instrument | 419047 |
| Name | US BANK NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE IL |
| Property Address | 411 E LOCUST ST, COLUMBIA, IL 62236-2051 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000411964 |
|---|---|
| Date | Oct 26, 2020 |
| Instrument | 411964 |
| Name | FREEDOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Jan 1, 2047 |
| Rate Type | Fixed Rate |
|---|
Source: Monroe County assessment roll, as of October 13, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Monroe County |
| Municipality | Columbia City |
| Unified School District | Columbia Community Unit School District 4 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,284.00 (+12.94%) | $108,230 (+32.2%) Land $18,230 Building $90,000 | $324,690 (+32.2%) Land $54,690 Building $270,000 |
| 2024 | $5,564.00 | ||
| 2022 | $81,870 Land $14,600 Building $67,270 | $245,610 Land $43,800 Building $201,810 |
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, effective August 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 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 | Not rated no burnable land within 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 | COLUMBIA serves 11,129 people · EPA ID IL1330050 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Dec 2023 |
| 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 321 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Harrisonville Telephone Company DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Wisper ISP.
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