Madison County property record for 413 E 2nd St, Saint Jacob, IL 62281
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,308 sqft · built 2009 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $320,000 (Dec 2024) |
| Tax Bill | $6,281 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Oct 2023 Mortgage + 1 more |
| APN | 05-2-23-09-20-405-008 |
| Primary APN | 05-2-23-09-20-405-008 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,308 sqft Living Area |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Lot Area | 7,500 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 120 sqft |
| Patio Area | 180 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 413 E 2ND ST |
|---|---|
| City | SAINT JACOB |
| State | IL |
| Zip | 62281-1140 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ORIGINAL TOWN LOT 2 50X150 |
| Legal Subdivision | ORIGINAL TOWN |
| Legal Lot Number | 2 |
| Jurisdiction | MADISON IL |
| Township / Civil Division | ST. JACOB |
| Census Block Group | 4 |
| Census Block | 4019 |
| Census Tract | 403702 |
Source: Madison County records · APN 05-2-23-09-20-405-008
Assessment roll updated June 25, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 413 E 2ND ST, SAINT JACOB, IL 62281-1140 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 26, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE |
| Oct 24, 2023 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC |
| Oct 15, 2018 | Warranty Deed, Transfer · VA Mortgage USAA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 02, 2024 · Amount on Record |
| Deed Sale | Dec 02, 2024 · Amount on Record |
| Prior Sale | Oct 15, 2018 · Amount on Record |
| Deed Document Number | 202433190 |
| Prior Transfer Date | May 20, 2013 |
| Prior Transfer Doc | 0000022704 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IL |
| Property Address | 413 E 2ND ST, SAINT JACOB, IL 62281-1140 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000036412 |
|---|---|
| Date | Dec 26, 2025 |
| Instrument | 2025R36412 |
| Name | FREEDOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Jan 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON IL |
| Property Address | 413 E 2ND ST, SAINT JACOB, IL 62281-1140 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2023 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0000028606 |
|---|---|
| Date | Oct 24, 2023 |
| Instrument | 2023R28606 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.13% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON IL |
| Recording Date | Oct 15, 2018 |
| Property Address | 413 E 2ND ST, SAINT JACOB, IL 62281-1140 |
| Document Number | 0000032191 |
| Instrument Date | Oct 02, 2018 |
| Instrument | 32191 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2018 |
| Title Company | ABSTRACTS AND TITLES INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $278.25 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 413 E 2ND ST ST JACOB IL 622811140, ST JACOB, IL 62281-1140 |
| Document Number | 32192 |
|---|---|
| Date | Oct 15, 2018 |
| Instrument | 32192 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 14, 2048 |
Source: Madison County records · Assessment roll updated June 25, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Madison County |
| County Subdivision | St. Jacob Township |
| Municipality | St. Jacob Village |
| Unified School District | Triad Community Unit School District 2 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,281.00 | $87,080 (+33.03%) Land $6,710 Building $80,370 | $261,240 (+32.9%) Land $20,130 Building $241,110 |
| 2022 | $65,460 Land $5,040 Building $60,420 | $196,576 Land $15,135 Building $181,441 | |
| 2013 | $3,630.00 |
Source: FEMA National Flood Hazard Layer · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2013) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2013 · rainfall accumulation |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Progressive Voice & Data Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Wisper ISP.
Based on FCC filings for 256 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST JACOB serves 2,008 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jul 2023 |
| Lead | Under 1 ppb (2020–2022) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2019 |
|---|---|
| Treatment and Procedure | Lead service line inventory currently in violation since Oct 2024 |
| Monitoring and Reporting | 6 last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures