420 E Montgomery St, Niantic, IL 62551 Property Records

Macon County property record for 420 E Montgomery St, Niantic, IL 62551

Property Summary

Property Type	Single Family Home
Details	2 ba · 902 sqft · built 1900
Lot Size	0.205 acres (8,940 sqft)
Owner	Individual Name on Record
Last Sale	$96,000 (Jul 2022)
Tax Bill	$3,073 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-10-11-228-012`

Property Details

APN / Parcel Number

Primary APN	`13-10-11-228-012`
Alternative APN	`10-11-228-012`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	902 sqft Living Area
1st Floor Area	902 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	8,940 sqft (0.205 acres)
Lot Dimensions	60 ft deep x 149 ft wide
Garage Type	Detached
Garage Area	1,040 sqft
Porch	Slab
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	131011228012
Street Address	420 E MONTGOMERY ST
City	NIANTIC
State	IL
Zip	62551-4343
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MUNICIPAL
Legal Description	H NOTTLEMANS SUB PT NE1/4 E60 S149.1 OF L 1 & E5/7 L 2 EXC E1A 93BK2495/345 149.1X60
Legal Range	01W
Legal Township	16N
Legal Section	11
Legal Subdivision	H NOTTLEMANS SUB
Jurisdiction	MACON IL
Township / Civil Division	NIANTIC
Census Block Group	3
Census Block	3005
Census Tract	2800

Owner

Source: Macon County records, as of June 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	420 E MONTGOMERY ST, NIANTIC, IL 62551-4343
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2022 · Amount on Record
Deed Sale	Jul 18, 2022 · Amount on Record
Prior Sale	Jun 6, 2005 · Amount on Record
Deed Document Number	20221998827
Deed Book / Page	4906 / 141
Record Updated	Sep 20, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON IL
Recording Date	Jul 18, 2022
Property Address	420 E MONTGOMERY ST, NIANTIC, IL 62551-4343
Document Number	004906/141
Book / Page	4906 / 141
Map Reference	BK 93 PG 3
Instrument Date	Jul 15, 2022
Instrument	1998827
Transaction Type	Transfer
Record Updated	Aug 3, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$144.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	420 E MONTGOMERY ST, NIANTIC, IL 62551-4343

Mortgage

Document Number	19988284906142
Date	Jul 18, 2022
Instrument	19988284906142

Lender

Name	NAVY FCU

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate	4.63%

Tax Assessment & Valuation

Source: Macon County assessment roll, as of June 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Macon County
County Subdivision	Niantic Township
Municipality	Niantic Village
Unified School District	Sangamon Valley Community Unit School District 9 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,073.00	$42,873 Land $2,128 Building $40,745	$128,632 Land $6,385 Building $122,247

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

Source: FEMA National Flood Hazard Layer, effective November 28, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	None beyond ember reach

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	EJ WATER-NIANTIC serves 648 people · EPA ID IL1150400
Water Source	Purchased groundwater from UNITED REGIONAL WATER COOP
Last State Inspection	Jan 2024
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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