432 E Locust St, Columbia, IL 62236 Property Records

Monroe County property record for 432 E Locust St, Columbia, IL 62236

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,820 sqft · built 2002
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Dec 2022)
Tax Bill	$7,037 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Jun 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`04-15-169-097-000`

Property Details

APN / Parcel Number

Primary APN	`04-15-169-097-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,820 sqft Living Area
1st Floor Area	1,820 sqft
Basement Area	1,820 sqft
Unfinished Basement	1,820 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Construction Type	Frame
Lot Area	10,454 sqft (0.24 acres)
Garage Area	484 sqft
Driveway	Concrete Driveway
Driveway Area	814 sqft
Porch	Slab
Porch Area	323 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	432 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 97 2ND ADDN HERITAGE HEIGHTS
Legal Range	10W
Legal Township	01S
Legal Section	15
Legal Subdivision	HERITAGE HEIGHTS
Legal Lot Number	97
Jurisdiction	MONROE IL
Township / Civil Division	36
Census Block Group	2
Census Block	2010
Census Tract	600103

Owner

Source: Monroe County records, as of October 13, 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	432 E LOCUST ST, COLUMBIA, IL 62236-2021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2022	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE SOLUTIONS OF IL LLC
Jun 30, 2022	Warranty Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Oct 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE BANK
Oct 22, 2021	Deed of Trust, Mortgage · Construction Mortgage STATE BANK
Oct 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage STATE BK/WATERLOO
Apr 18, 2017	Grant Deed, Transfer · Conventional Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2022 · Amount on Record
Deed Sale	Dec 9, 2022 · Amount on Record
Prior Sale	Jun 30, 2022 · Amount on Record
Deed Document Number	2022427254
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Dec 9, 2022
Property Address	432 E LOCUST ST, COLUMBIA, IL 62236-2021
Document Number	0000427254
Map Reference	DOC 247111
Instrument Date	Dec 8, 2022
Instrument	427254
Transaction Type	Transfer
Record Updated	Dec 28, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	432 E LOCUST ST, COLUMBIA, IL 62236-2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	432 E LOCUST ST, COLUMBIA, IL 62236-2021

Mortgage

Document Number	0000427255
Date	Dec 9, 2022
Instrument	427255

Lender

Name	MORTGAGE SOLUTIONS OF IL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.25%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE IL
Recording Date	Jun 30, 2022
Property Address	432 E LOCUST ST, COLUMBIA, IL 62236-2021
Document Number	0000424974
Map Reference	DOC 247111
Instrument Date	Jun 29, 2022
Instrument	424974
Transaction Type	Transfer
Record Updated	Jul 20, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$487.50
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 with Right of Survivorship
Address	432 E LOCUST ST, COLUMBIA, IL 62236-2021

Mortgage

Document Number	0000424975
Date	Jun 30, 2022
Instrument	424975

Lender

Name	CMG MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	5.63%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	432 E LOCUST ST, COLUMBIA, IL 62236-2021
Transaction Type	Mortgage
Record Updated	Nov 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000420530
Date	Oct 22, 2021
Instrument	420530

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 15, 2031

Interest

Rate Type	Fixed Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	432 E LOCUST ST, COLUMBIA, IL 62236-2021
Transaction Type	Mortgage
Record Updated	Nov 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000420529
Date	Oct 22, 2021
Instrument	420529

Lender

Name	STATE BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2041

Interest

Rate Type	Fixed Rate

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE IL
Property Address	432 E LOCUST ST, COLUMBIA, IL 62236-2021
Document Number	0000404158
Instrument Date	Oct 3, 2019
Transaction Type	Mortgage
Record Updated	Oct 24, 2019
Title Company	ACCENT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	432 E LOCUST ST COLUMBIA IL 622362021, COLUMBIA, IL 62236-2021

Mortgage

Document Number	0000404158
Date	Oct 15, 2019
Instrument	404158

Lender

Name	STATE BK/WATERLOO
Type	Bank
Address	WATERLOO, IL 62298

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 14, 2039

Interest

Rate	3.62%

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE IL
Recording Date	Apr 18, 2017
Property Address	432 E LOCUST ST, COLUMBIA, IL 62236-2021
Document Number	0000389295
Instrument Date	Apr 4, 2017
Instrument	389295
Transaction Type	Transfer
Record Updated	May 10, 2017
Title Company	COLUMBIA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$348.00
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	432 E LOCUST ST COLUMBIA IL 622362021, COLUMBIA, IL 62236-2021

Mortgage

Document Number	389296
Date	Apr 18, 2017
Instrument	389296

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 17, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of October 13, 2026

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	$7,037.00 (+15.4%) Homeowner's exemption	$126,960 (+35.51%) Land $18,230 Building $108,730	$380,880 (+35.51%) Land $54,690 Building $326,190
2024	$6,098.00
2022	Additional exemption filed	$93,690 Land $14,600 Building $79,090	$281,070 Land $43,800 Building $237,270

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.

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