433 W Locust St, Ladd, IL 61329 Property Records

Bureau County property record for 433 W Locust St, Ladd, IL 61329

Property Summary

Property Type	Single Family Home
Details	built 1968
Lot Size	0.275 acres (12,000 sqft)
Owner	Individual Name on File
Last Sale	$236,000 (Feb 2025)
Tax Bill	$6,795 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Apr 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`18-09-488-001`

Property Details

APN / Parcel Number

Primary APN	`18-09-488-001`
Alternative APN	`3188C`

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	125 ft deep x 96 ft wide

Location & Zoning

Account Number	1809488001
Street Address	433 W LOCUST ST
City	LADD
State	IL
Zip	61329-9759
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LADD L 1 & N 46 L 2 BLK 53 (96 X 125) D 2025R00396
Legal Range	11
Legal Township	16
Legal Section	09
Legal Subdivision	VILLAGE OF LADD
Legal Block	53
Legal Lot Number	1
Jurisdiction	BUREAU IL
Township / Civil Division	HALL
Census Block Group	2
Census Block	2046
Census Tract	965100

Owner

433 W Locust St is owned and occupied by an individual who bought it in February 2025.

Source: Bureau County records, as of May 8, 2026

Owner of Record	Individual Name on File
Mailing Address	521 W DAKOTA ST, SPRING VALLEY, IL 61362-1707
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Aug 24, 2023	Warranty Deed, Transfer · FHA Mortgage OLD SECOND NATIONAL BANK
Apr 3, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2025 · Amount on File
Deed Sale	Feb 3, 2025 · Amount on File
Prior Sale	Aug 24, 2023 · Amount on File
Deed Document Number	2025396
Prior Transfer Date	Feb 23, 2023
Prior Transfer Doc	2023R01086
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUREAU IL
Recording Date	Aug 24, 2023
Property Address	433 W LOCUST ST, LADD, IL 61329-9759
Document Number	2023R02760
Instrument Date	Aug 22, 2023
Instrument	2023R02760
Transaction Type	Transfer
Record Updated	May 7, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$288.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 W LOCUST ST, LADD, IL 61329-9759

Mortgage

Document Number	2023R02761
Date	Aug 24, 2023
Instrument	2023R02761

Lender

Name	OLD SECOND NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUREAU IL
Recording Date	Apr 3, 2023
Property Address	LADD, IL 61329
Document Number	2023R01086
Instrument Date	Mar 23, 2023
Instrument	2023R01086
Transaction Type	Transfer
Record Updated	Apr 19, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 W LOCUST ST, LADD, IL 61329-9759

Tax Assessment & Valuation

The 2025 property tax bill for 433 W Locust St was $6,795 with a homeowner's exemption.

Source: Bureau County assessment roll, as of May 8, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Bureau County
County Subdivision	Hall Township
Municipality	Ladd Village
Secondary School District	Hall High School District 502 (09 - 12)
Elementary School District	Ladd Community Consolidated School District 94 (KG - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,795.00	$72,156 Land $6,830 Building $65,326	$216,468 Land $20,490 Building $195,978
2023		$41,506 Land $5,899 Building $35,607	$124,518 Land $17,697 Building $106,821
2022	$2,491.00

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

FEMA maps place 433 W Locust St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective August 2, 2011 · 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 Claims	1 (1978)
Most Recent Claim	Sep 1978 · rainfall accumulation

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

The area around 433 W Locust St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	LADD serves 1,263 people · EPA ID IL0110450
Water Source	Groundwater
Last State Inspection	Sep 2025
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	None 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 85 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
Nextlink Fixed Wireless	100 / 20

May also be available: IVNet.

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