Adams County property record for 412 S Main St, Loraine, IL 62349
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,660 (2024) |
| Deeds & Mortgages | Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 060058200000 |
| Primary APN | 060058200000 |
|---|
| Lot Area | 43,560 sqft (1 acres) |
|---|
| Street Address | 412 S MAIN ST |
|---|---|
| City | LORAINE |
| State | IL |
| Zip | 62349-1044 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NW SEC 21 2N7W CORP LANDS-LORAINE 1A TR W SIDE OF 11A TR BEG 434.4FT S NW COR PT S 1/2 NW SEC 21 |
| Legal Range | 07W |
| Legal Township | 02N |
| Legal Section | 21 |
| Jurisdiction | ADAMS IL |
| Township / Civil Division | KEENE |
| Census Block Group | 2 |
| Census Block | 2086 |
| Census Tract | 10100 |
412 S Main St is owned and occupied by an individual.
Source: Adams County records, as of May 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 412 S MAIN ST, LORAINE, IL 62349-1044 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAMS IL |
| Property Address | 412 S MAIN ST, LORAINE, IL 62349-1044 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2017R08552 |
|---|---|
| Date | Oct 18, 2017 |
| Instrument | 2017R-08552 |
| Name | FIRST BANKERS TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 17, 2037 |
| Rate Type | Fixed Rate |
|---|
Source: Adams County assessment roll, as of May 4, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Adams County |
| County Subdivision | Keene Township |
| Municipality | Loraine Village |
| Unified School District | Community Unit School District 4 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $45,530 Land $2,480 Building $43,050 | $136,590 Land $7,440 Building $129,150 | |
| 2024 | $2,660.00 | ||
| 2022 | $37,310 Land $2,030 Building $35,280 | $111,930 Land $6,090 Building $105,840 | |
| 2021 | $2,395.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 412 S Main St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1993.
Source: FEMA National Flood Hazard Layer, effective July 23, 2018 · 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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 4 (1993) |
| Most Recent Claim | Aug 1993 · Severe Storms & Flooding |
| Claims by Event |
|
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 risk around 412 S 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 98% of the US · lower than 86% 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 | LORAINE serves 300 people · EPA ID IL0010450 |
|---|---|
| Water Source | Purchased groundwater from CLAYTON-CAMP POINT WATER COMMISSION |
| Last State Inspection | Oct 2023 |
| Lead | 5 ppb (2024–2026) action level 15 ppb |
Listed by EPA as a serious violator, with a treatment or procedure violation still open.
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory currently in violation since Oct 2024 |
| Monitoring and Reporting | 11 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 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Adams Telsystems Fiber | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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