412 Main St, Penfield, IL 61862 Property Records

Champaign County property record for 412 Main St, Penfield, IL 61862

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,224 sqft · built 1953
Lot Size	0.197 acres (8,579 sqft)
Owner	Individual Name on File
Last Sale	$33,000 (Jul 2018)
Tax Bill	$1,010 (2024)
Deeds & Mortgages	Aug 2019 Loan Modification Jul 2018 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-04-355-006`

Property Details

APN / Parcel Number

Primary APN	`06-12-04-355-006`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,224 sqft Living Area
Gross Area	2,040 sqft
1st Floor Area	1,224 sqft
Basement Area	816 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	A-Frame
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Other
Lot Area	8,579 sqft (0.197 acres)

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	412 MAIN ST
City	PENFIELD
State	IL
Zip	61862-9748
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 BLOCK 4 BUSEYS, S.H., 6TH ADD PENFIELD
Legal Range	14W
Legal Township	21N
Legal Section	04
Legal Subdivision	BUSEYS, S.H., 6TH ADD PENFIELD
Legal Block	4
Legal Lot Number	5
Jurisdiction	CHAMPAIGN IL
Township / Civil Division	COMPROMISE
Census Block Group	4
Census Block	4132
Census Tract	10400

Owner

412 Main St is owned and occupied by an individual who bought it in July 2018.

Source: Champaign County records, as of August 14, 2026

Owner of Record	Individual Name on File
Mailing Address	412 MAIN ST, PENFIELD, IL 61862-9748
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2019	Loan Modification, Mortgage · Conventional Mortgage GIFFORD ST BK
Jul 10, 2018	Warranty Deed, Transfer · Line of Credit THE GIFFORD STATE BANK
Mar 6, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2018 · Amount on File
Deed Sale	Jul 10, 2018 · Amount on File
Prior Sale	Mar 6, 2017 · Amount on File
Deed Document Number	201811702
Record Updated	Sep 20, 2026

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHAMPAIGN IL
Property Address	412 MAIN ST, PENFIELD, IL 61862-9748
Document Number	0000014823
Instrument Date	Aug 19, 2019
Transaction Type	Mortgage
Record Updated	Oct 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 MAIN ST PENFIELD IL 618629748, PENFIELD, IL 61862-9748

Mortgage

Document Number	0000014823
Date	Sep 9, 2019
Instrument	14823

Lender

Name	GIFFORD ST BK
Type	Bank
Address	GIFFORD, IL 61847

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Sep 8, 2024

Interest

Rate	4.8%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Jul 10, 2018
Property Address	412 MAIN ST, PENFIELD, IL 61862-9748
Document Number	0000011702
Map Reference	MB B PG63
Instrument Date	Jul 5, 2018
Instrument	2018R11702
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 MAIN ST, PENFIELD, IL 61862-9748

Mortgage

Document Number	0000011703
Date	Jul 10, 2018
Instrument	2018R11703

Lender

Name	THE GIFFORD STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jul 5, 2019

Interest

Rate	4.8%

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAMPAIGN IL
Recording Date	Mar 6, 2017
Property Address	412 MAIN ST, PENFIELD, IL 61862-9748
Document Number	0000003794
Instrument Date	Mar 1, 2017
Instrument	3794
Transaction Type	Transfer
Record Updated	Apr 11, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$9.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 N LANE ST POTOMAC IL 618659419, POTOMAC, IL 61865-9419

Tax Assessment & Valuation

Source: Champaign County assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Champaign County
County Subdivision	Compromise Township
Secondary School District	Armstrong Township High School District 225 (09 - 12)
Elementary School District	Gifford Community Consolidated School District 188 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$14,920 Land $3,290 Building $11,630	$44,760 Land $9,870 Building $34,890
2024	$1,010.00
2022	$887.00	$12,080 Land $2,660 Building $9,420	$36,240 Land $7,980 Building $28,260

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 maps place 412 Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 14, 2021 · 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.

Wildfire

Wildfire risk around 412 Main St is low, with less than a 0.01% annual chance of wildfire.

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	Direct burnable vegetation

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	PENFIELD PWD serves 150 people · EPA ID IL0195100
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb
Copper	1.4 mg/L (2015–2017) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2020
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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Nextlink Fixed Wireless	1,000 / 500
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Main St

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