45 Independence Dr, Highland, IL 62249 Property Records

Madison County property record for 45 Independence Dr, Highland, IL 62249

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 2,185 sqft · built 2016
Lot Size	0.44 acres (19,166 sqft)
Owner	Individual Name on File
Last Sale	$312,500 (Feb 2017)
Tax Bill	$10,753 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit Feb 2017 Sale + 1 more
APN	`02-2-18-31-07-202-018`

Property Details

APN / Parcel Number

Primary APN	`02-2-18-31-07-202-018`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Total Rooms	1 Room
Stories	1 Story
Building Area	2,185 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Construction Type	Frame
Lot Area	19,166 sqft (0.44 acres)
Lot Dimensions	160 ft deep x 120 ft wide
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	45 INDEPENDENCE DR
City	HIGHLAND
State	IL
Zip	62249-2640
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LIBERTY HILLS LOT 54 120 X 160
Legal Subdivision	LIBERTY HILLS
Legal Lot Number	54
Jurisdiction	MADISON IL
Township / Civil Division	SALINE
Census Block Group	1
Census Block	1055
Census Tract	403601

Owner

45 Independence Dr is owned and occupied by an individual who bought it in February 2017.

Source: Madison County records, as of June 25, 2026

Owner of Record	Individual Name on File
Mailing Address	45 INDEPENDENCE DR, HIGHLAND, IL 62249-2640
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
Sep 3, 2020	Deed of Trust, Mortgage · Line of Credit REGIONS BK
Feb 22, 2017	Warranty Deed, Subdivision Related Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE
Jan 1, 2017	Loan Modification, Mortgage FIRST CNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2017 · Amount on File
Deed Sale	Feb 22, 2017 · Amount on File
Deed Document Number	20176333
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	45 INDEPENDENCE DR, HIGHLAND, IL 62249-2640
Document Number	0000032703
Instrument Date	Sep 3, 2020
Transaction Type	Mortgage
Record Updated	Sep 25, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 INDEPENDENCE DR HIGHLAND I HIGHLAND IL 62249, HIGHLAND, IL 62249

Mortgage

Document Number	0000032703
Date	Sep 16, 2020
Instrument	32703

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 15, 2050

Interest

Rate Type	Adjustable Rate

February 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Feb 22, 2017
Property Address	45 INDEPENDENCE DR, HIGHLAND, IL 62249-2640
Document Number	0000006333
Instrument Date	Feb 17, 2017
Instrument	6333
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 31, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	45 INDEPENDENCE DR HIGHLAND IL 622492640, HIGHLAND, IL 62249-2640

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MADISON IL
Property Address	45 INDEPENDENCE DR, HIGHLAND, IL 62249-2640
Document Number	0000002443
Instrument Date	Jan 1, 2017
Transaction Type	Mortgage
Record Updated	Feb 20, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2737 VULLIET RD HIGHLAND IL 622493841, HIGHLAND, IL 62249-3841

Mortgage

Document Number	0000002443
Date	Jan 23, 2017
Instrument	2443

Lender

Name	FIRST CNTY BK
Type	Bank
Address	NEW BADEN, IL 62265

Agreement

Amount	Amount on Record
Term	12 Months
Due	Jan 22, 2018

Tax Assessment & Valuation

The 2025 property tax bill for 45 Independence Dr was $10,753 with a homeowner's exemption, up 7.5% from the year before.

Source: Madison County assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Madison County
County Subdivision	Saline Township
Municipality	Highland City
Unified School District	Highland Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,753.00 (+7.54%)	$154,430 Land $18,780 Building $135,650	$463,290 Land $56,340 Building $406,950
2024	$9,999.00
2022	$8,696.00	$120,450 Land $14,650 Building $105,800	$361,712 Land $43,994 Building $317,718

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 45 Independence Dr; there have been 1 flood claim nearby since 2023.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2023 · 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

Wildfire risk around 45 Independence Dr 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 94% of the US · lower than 65% 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	HIGHLAND serves 10,674 people · EPA ID IL1190550
Water Source	Surface water
Last State Inspection	May 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	15 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Highland Communication Services Fiber	2,500 / 2,500
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Wisper ISP.

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