422 E Locust St, Columbia, IL 62236 Property Records

Monroe County property record for 422 E Locust St, Columbia, IL 62236

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 968 sqft · built 2004
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on Record
Last Sale	$403,000 (Oct 2024)
Tax Bill	$5,271 (2024)
Deeds & Mortgages	Jan 2026 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-15-169-102-000`

Property Details

APN / Parcel Number

Primary APN	`04-15-169-102-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	968 sqft Building Perimeter
1st Floor Area	968 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	16,553 sqft (0.38 acres)
Garage Area	529 sqft
Driveway	Concrete Driveway
Driveway Area	1,146 sqft
Porch	Slab
Porch Area	68 sqft
Patio Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	422 E LOCUST ST
City	COLUMBIA
State	IL
Zip	62236-2021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR5
Legal Description	LOT 102 2ND ADDN HERITAGE HEIGHTS
Legal Range	10W
Legal Township	01S
Legal Section	15
Legal Subdivision	HERITAGE HEIGHTS
Legal Lot Number	102
Jurisdiction	MONROE IL
Township / Civil Division	36
Census Block Group	2
Census Block	2010
Census Tract	600103

Owner

Source: Monroe County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	422 E LOCUST ST, COLUMBIA, IL 62236-2021
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage FCB BANKS
Jun 11, 2020	Deed of Trust, Mortgage · Conventional with PMI F&B ACQUISITION
Oct 5, 2018	Grant Deed, Transfer · Conventional with PMI F&B ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2024 · Amount on Record
Deed Sale	Oct 1, 2024 · Amount on Record
Prior Sale	Oct 5, 2018 · Amount on Record
Deed Document Number	2024434738
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	422 E LOCUST ST, COLUMBIA, IL 62236-2021
Transaction Type	Mortgage
Record Updated	Jan 28, 2026
Title Company	COMMUNITY TITLE AND ESCROW, COMMUNITY TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000440881
Date	Jan 14, 2026
Instrument	440881

Lender

Name	FCB BANKS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2046

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	422 E LOCUST ST, COLUMBIA, IL 62236-2021
Document Number	0000408755
Instrument Date	Jun 11, 2020
Transaction Type	Mortgage
Record Updated	Jul 10, 2020
Title Company	MONROE COUNTY TITLE COMPANY (MCTC), MONROE CNTY TITLE CO (MCTC)

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	422 E LOCUST ST COLUMBIA IL 622362021, COLUMBIA, IL 62236-2021

Mortgage

Document Number	0000408755
Date	Jun 16, 2020
Instrument	408755

Lender

Name	F&B ACQUISITION
Address	SAINT LOUIS, MO 63131

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jun 15, 2035

Interest

Rate	2.87%

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	Oct 5, 2018
Property Address	422 E LOCUST ST, COLUMBIA, IL 62236-2021
Document Number	0000398147
Instrument Date	Oct 4, 2018
Instrument	398147
Transaction Type	Transfer
Record Updated	Jan 16, 2019
Title Company	ACCENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	422 E LOCUST ST COLUMBIA IL 622362021, COLUMBIA, IL 62236-2021

Mortgage

Document Number	398148
Date	Oct 5, 2018
Instrument	398148

Lender

Name	F&B ACQUISITION
Address	SAINT LOUIS, MO 63131

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2048

Interest

Rate	4.62%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of August 29, 2025

Property Jurisdictions

Type	Name
State	Illinois
County	Monroe County
Municipality	Columbia City
Unified School District	Columbia Community Unit School District 4 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$106,040 (+20.5%) Land $19,970 Building $86,070	$318,120 (+20.5%) Land $59,910 Building $258,210
2024	$5,271.00
2022	Additional exemption filed	$88,000 Land $16,660 Building $71,340	$264,000 Land $49,980 Building $214,020

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 August 18, 2025 · 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

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	COLUMBIA serves 11,129 people · EPA ID IL1330050
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2025) 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 299 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Harrisonville Telephone Company DSL	100 / 20

May also be available: AT&T, Verizon, Wisper ISP.

Nearby Properties on E Locust St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures