427 E Spruce St, Paxton, IL 60957 Property Records

Ford County property record for 427 E Spruce St, Paxton, IL 60957

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 663 sqft · built 1920
Lot Size	0.184 acres (8,000 sqft)
Owner	Individual Name on File
Last Sale	$133,000 (Oct 2025)
Tax Bill	$1,867 (2025)
Deeds & Mortgages	Feb 2005 Mortgage Oct 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`11-14-08-331-011`

Property Details

APN / Parcel Number

Primary APN	`11-14-08-331-011`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	663 sqft Living Area
Basement Area	442 sqft
Unfinished Basement	442 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	8,000 sqft (0.184 acres)
Lot Dimensions	160 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	576 sqft

Location & Zoning

Street Address	427 E SPRUCE ST
City	PAXTON
State	IL
Zip	60957-1036
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 BLK 9 RAILROAD ADD 50 X 160
Legal Range	10E
Legal Township	23N
Legal Section	08
Legal Subdivision	RAILROAD ADD
Legal Block	9
Legal Lot Number	12
Jurisdiction	FORD IL
Township / Civil Division	PATTON
Census Block Group	1
Census Block	1010
Census Tract	961800

Owner

427 E Spruce St is owned and occupied by an individual who bought it in October 2025.

Source: Ford County records, as of October 16, 2026

Owner of Record	Individual Name on File
Mailing Address	427 E SPRUCE ST, PAXTON, IL 60957-1036
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2005	Deed of Trust, Mortgage FARMERS-MERCHANTS NATIONAL BANK OF PAXTO
Oct 8, 2025	Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING
Oct 8, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEW AMERICAN FUNDING
Oct 8, 2025	Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING
Oct 8, 2025	Warranty Deed, Transfer CHICAGO TITLE AVON, CHICAGO TITLE CHAMPION
Jan 23, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 2025 · Amount on File
Deed Sale	Oct 8, 2025 · Amount on File
Prior Sale	Jan 31, 2025 · Amount on File
Deed Document Number	2025286729
Record Updated	Oct 29, 2026

February 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORD IL
Property Address	427 E SPRUCE ST, PAXTON, IL 60957-1036
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000231864
Date	Feb 9, 2005
Instrument	231864

Lender

Name	FARMERS-MERCHANTS NATIONAL BANK OF PAXTO
Address	101 N TAFT ST, PAXTON, IL 60957

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 9, 2035

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORD IL
Property Address	427 E SPRUCE ST, PAXTON, IL 60957-1036
Transaction Type	Mortgage
Record Updated	Apr 21, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 W CLARK ST, THOMASBORO, IL 61878-9737

Mortgage

Document Number	0000286730
Date	Oct 8, 2025
Instrument	286730

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Fixed Rate
Rate	7.75%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORD IL
Property Address	427 E SPRUCE ST, PAXTON, IL 60957-1036
Transaction Type	Mortgage
Record Updated	Apr 21, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000286731
Date	Oct 8, 2025
Instrument	286731

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2035

Interest

Rate	8.75%

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORD IL
Recording Date	Oct 8, 2025
Property Address	427 E SPRUCE ST, PAXTON, IL 60957-1036
Document Number	0000286729
Instrument Date	Oct 7, 2025
Instrument	286729
Transaction Type	Transfer
Record Updated	Oct 29, 2025
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$199.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 E SPRUCE ST, PAXTON, IL 60957-1036

Mortgage

Document Number	0000286730
Date	Oct 8, 2025
Instrument	286730

Lender

Name	NEW AMERICAN FUNDING
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Mortgage

Document Number	0000286731
Date	Oct 8, 2025
Instrument	286731

Lender

Name	NEW AMERICAN FUNDING
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Nov 1, 2035

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORD IL
Recording Date	Oct 8, 2025
Property Address	427 E SPRUCE ST, PAXTON, IL 60957-1036
Document Number	0000286729
Instrument Date	Oct 7, 2025
Instrument	286729
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	CHICAGO TITLE AVON, CHICAGO TITLE CHAMPION

Transaction

Amount	Amount on Record
Tax	$133.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 E SPRUCE ST, PAXTON, IL 60957-1036

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORD IL
Recording Date	Jan 23, 2023
Property Address	427 E SPRUCE ST, PAXTON, IL 60957-1036
Document Number	0000280675
Instrument Date	Jan 16, 2023
Instrument	280675
Transaction Type	Transfer
Record Updated	Mar 8, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$39.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2171 E 600N RD, PAXTON, IL 60957-4170

Tax Assessment & Valuation

The 2025 property tax bill for 427 E Spruce St was $1,867, up 6.6% from the year before.

Source: Ford County assessment roll, as of October 16, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Ford County
County Subdivision	Patton Township
Municipality	Paxton City
Unified School District	Paxton-Buckley-Loda Community Unit School District 10 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,867.00 (+6.56%)	$21,760 (+17.43%) Land $2,510 Building $19,250	$65,280 (+17.43%) Land $7,530 Building $57,750
2024	$1,752.00	$18,530 Land $2,140 Building $16,390	$55,590 Land $6,420 Building $49,170
2022	$1,634.00	$16,390 Land $1,890 Building $14,500	$49,170 Land $5,670 Building $43,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 427 E Spruce St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 22, 2022

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

Wildfire risk around 427 E Spruce 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 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	PAXTON serves 4,200 people · EPA ID IL0530250
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	2 ppb (2023–2025) action level 15 ppb
Copper	1.4 mg/L (2015–2017) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 141 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink.

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