447 Downing St, Palmyra, IL 62674 Property Records

Macoupin County property record for 447 Downing St, Palmyra, IL 62674

Property Summary

Property Type	Single Family Home
Lot Size	0.225 acres (9,801 sqft)
Owner	Individual Name on File
Last Sale	$67,032 (Jul 2023)
Tax Bill	$965 (2025)
Deeds & Mortgages	Jul 2023 Sale & Line of Credit Feb 2020 Sale & Mortgage
APN	`06-04-112-003`

Property Details

APN / Parcel Number

Primary APN	`06-04-112-003`
Alternative APN	`19-000-987-00`

Exterior

Lot Area	9,801 sqft (0.225 acres)
Lot Dimensions	132 ft deep x 74.3 ft wide

Location & Zoning

Street Address	447 DOWNING ST
City	PALMYRA
State	IL
Zip	62674-7051
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK 4 D N SOLOMONS 5TH ADDN 74.25 X 132 06-04-112-003
Legal Subdivision	D N SOLOMONS
Legal Block	4
Legal Lot Number	3
Jurisdiction	MACOUPIN IL
Township / Civil Division	SOUTH PALMYRA
Census Block Group	2
Census Block	2037
Census Tract	956200

Owner

447 Downing St is owned and occupied by an individual who bought it in July 2023.

Source: Macoupin County records, as of July 7, 2026

Owner of Record	Individual Name on File
Mailing Address	447 DOWNING ST, PALMYRA, IL 62674-7051
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
Jul 18, 2023	Warranty Deed, Transfer · Line of Credit BANK & TRUST CO
Feb 20, 2020	Warranty Deed, Transfer · FHA Mortgage DIAMOND RESIDENTIAL MTG CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2023 · Amount on File
Deed Sale	Jul 18, 2023 · Amount on File
Prior Sale	Feb 20, 2020 · Amount on File
Deed Document Number	2023606272
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOUPIN IL
Recording Date	Jul 18, 2023
Property Address	447 DOWNING ST, PALMYRA, IL 62674-7051
Document Number	0000606272
Instrument Date	Jul 14, 2023
Instrument	606272
Transaction Type	Transfer
Record Updated	Aug 2, 2023
Title Company	LANGE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	447 DOWNING ST, PALMYRA, IL 62674-7051

Mortgage

Document Number	0000606273
Date	Jul 18, 2023
Instrument	606273

Lender

Name	BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 14, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.49%

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACOUPIN IL
Recording Date	Feb 20, 2020
Property Address	447 DOWNING ST, PALMYRA, IL 62674-7051
Document Number	580636
Instrument Date	Feb 14, 2020
Instrument	580636
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	LANGE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$81.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	447 DOWNING ST, PALMYRA, IL 62674-7051

Mortgage

Document Number	580637
Date	Feb 20, 2020
Instrument	580637

Lender

Name	DIAMOND RESIDENTIAL MTG CO

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	5.12%

Tax Assessment & Valuation

The 2025 property tax bill for 447 Downing St was $965, up 4% from the year before.

Source: Macoupin County assessment roll, as of July 7, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Macoupin County
County Subdivision	South Palmyra Township
Municipality	Palmyra Village
Unified School District	Northwestern Community Unit School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$965.00 (+3.99%)	$23,500 (+7%) Land $2,830 Building $20,670	$70,500 (+7%) Land $8,490 Building $62,010
2024	$928.00	$21,963 Land $2,645 Building $19,318	$65,889 Land $7,935 Building $57,954
2022	$837.00 Homeowner's exemption	$19,006 Land $2,289 Building $16,717	$57,018 Land $6,867 Building $50,151

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 has no flood map on file for 447 Downing St.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 447 Downing St is low, with 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	PALMYRA serves 605 people · EPA ID IL1170800
Water Source	Purchased surface water from PALMYRA-MODESTO WATER COMMISSION
Last State Inspection	Jun 2025
Also Mapped Here	SOUTH PALMYRA WATER COMMISSION
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Oct 2021
Treatment and Procedure	Organic carbon removal Apr 2025
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 179 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Nextlink Fixed Wireless	1,000 / 500
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Royell Communications.

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