414 E Center St, Loraine, IL 62349 Property Records

Adams County property record for 414 E Center St, Loraine, IL 62349

Property Summary

Property Type	Single Family Home
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Tax Bill	$1,394 (2024)
Deeds & Mortgages	Mar 2021 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`060059100000`

Property Details

APN / Parcel Number

Primary APN	`060059100000`

Exterior

Lot Area	43,560 sqft (1 acres)

Location & Zoning

Street Address	414 E CENTER ST
City	LORAINE
State	IL
Zip	62349-1008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NW SEC 21 2N7W CORP LANDS-LORAINE TR 205FT X 240FT NW COR OF 12A W SD N 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

Owner

Source: Adams County records, as of May 5, 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 Record
Mailing Address	414 E CENTER ST, LORAINE, IL 62349-1008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH ADAMS STATE BANK
May 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTH ADAMS STATE BANK
Jan 8, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IL
Property Address	414 E CENTER ST, LORAINE, IL 62349-1008
Transaction Type	Mortgage
Record Updated	Oct 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R03078
Date	Mar 29, 2021
Instrument	2021R-03078

Lender

Name	NORTH ADAMS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Mar 10, 2028

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS IL
Property Address	414 E CENTER ST, LORAINE, IL 62349-1008
Transaction Type	Mortgage
Record Updated	Oct 25, 2021
Title Company	ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R04255
Date	May 28, 2020
Instrument	2020R-04255

Lender

Name	NORTH ADAMS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 16, 2025

Interest

Rate Type	Adjustable Rate

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ADAMS IL
Recording Date	Jan 8, 2018
Property Address	414 E CENTER ST, LORAINE, IL 62349-1008
Document Number	2018R00153
Instrument Date	Jan 7, 2016
Instrument	2018R-00153
Transaction Type	Transfer
Record Updated	Oct 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 1 2 E CT ST, LORAINE, IL 62349

Tax Assessment & Valuation

Source: Adams County assessment roll, as of May 4, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Adams County
County Subdivision	Keene Township
Municipality	Loraine Village
Unified School District	Community Unit School District 4 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$26,940 (+44.3%) Land $2,480 Building $24,460	$80,820 (+44.3%) Land $7,440 Building $73,380
2024	$1,394.00 (+40.67%)
2022	$991.00 (+27.87%)	$18,670 Land $2,030 Building $16,640	$56,010 Land $6,090 Building $49,920
2021	$775.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	Severe Storms & Flooding, Aug 1993 · 4 claims

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 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

Cell Coverage

4G LTE only, no 5G reported

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