45 Ruth Ct, Springfield, IL 62704 Property Records

Sangamon County property record for 45 Ruth Ct, Springfield, IL 62704

Property Summary

Property Type	Single Family Home
Lot Size	0.135 acres (5,910 sqft)
Owner	Individual Name on Record
Last Sale	$107,900 (Aug 2021)
Tax Bill	$2,906 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Nov 2017 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-04.0-428-009`

Property Details

APN / Parcel Number

Primary APN	`22-04.0-428-009`
Alternative APN	`22040428009 (CHECK DIGIT = 0)`

Exterior

Lot Area	5,910 sqft (0.135 acres)

Location & Zoning

Account Number	22040428009
Street Address	45 RUTH CT
City	SPRINGFIELD
State	IL
Zip	62704-4745
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHAS S WANLESS S 1ST ST CT PT E1/2 SE 4-15-5 L 80
Legal Subdivision	CHARLES S WANLESS SOUTH STREET
Jurisdiction	SANGAMON IL
Township / Civil Division	CAPITAL
Census Block Group	2
Census Block	2000
Census Tract	2200

Owner

Source: Sangamon County records, as of June 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	45 RUTH CT, SPRINGFIELD, IL 62704-4745
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2021	Warranty Deed, Transfer · VA Mortgage FLAT BRANCH MORTGAGE INC
Nov 30, 2017	Deed, Transfer · Conventional Mortgage BANK OF SPRINGFIELD
Sep 22, 2017	Deed, Foreclosure
Aug 18, 2017	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2021 · Amount on Record
Deed Sale	Aug 19, 2021 · Amount on Record
Prior Sale	Nov 30, 2017 · Amount on Record
Deed Document Number	202122834
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANGAMON IL
Recording Date	Aug 19, 2021
Property Address	45 RUTH CT, SPRINGFIELD, IL 62704-4745
Document Number	2021R22834
Instrument Date	Aug 18, 2021
Instrument	2021R22834
Transaction Type	Transfer
Record Updated	Sep 8, 2021
Title Company	PRAIRIE TITLE, PRAIRIE LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$162.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	407 RAINBOW DR, 407, ATHENS, IL 62613-9471

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 RUTH CT, SPRINGFIELD, IL 62704-4745

Mortgage

Document Number	2021R22835
Date	Aug 19, 2021
Instrument	2021R22835

Lender

Name	FLAT BRANCH MORTGAGE INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate	2.88%

November 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SANGAMON IL
Recording Date	Nov 30, 2017
Property Address	45 RUTH CT, SPRINGFIELD, IL 62704-4745
Document Number	2017R30699
Instrument Date	Nov 24, 2017
Instrument	2017R30699
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$97.50
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	3400 WABASH AVE, SPRINGFIELD, IL 62711-9487

Mortgage

Document Number	2017R30700
Date	Nov 30, 2017
Instrument	2017R30700

Lender

Name	BANK OF SPRINGFIELD
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

Interest

Rate Type	Fixed Rate

September 2017: Deed, Foreclosure

Document Type	Deed
Jurisdiction	SANGAMON IL
Recording Date	Sep 22, 2017
Property Address	45 RUTH CT, SPRINGFIELD, IL 62704-4745
Document Number	2017R24391
Instrument Date	Sep 18, 2017
Instrument	2017R24391
Transaction Type	Foreclosure
Record Updated	Sep 27, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 W END AVE # 760W, 760W, NASHVILLE, TN 37203-1042

August 2017: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	SANGAMON IL
Recording Date	Aug 18, 2017
Property Address	45 RUTH CT, SPRINGFIELD, IL 62704-4745
Document Number	2017R21082
Instrument Date	Aug 9, 2017
Instrument	2017R21082
Transaction Type	Foreclosure
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4801 FREDERICA ST, OWENSBORO, KY 42301-7441
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Sangamon County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Sangamon County
County Subdivision	Capital Township
Municipality	Springfield City
Unified School District	Springfield School District 186 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,906.00 (+3.34%)	$35,900 (+7.22%) Land $6,194 Building $29,706	$107,700 (+7.22%) Land $18,582 Building $89,118
2024	$2,812.00 (+8.2%)	$33,483 (+15.41%) Land $5,777 Building $27,706	$100,449 (+15.41%) Land $17,331 Building $83,118
2022	$2,599.00	$29,012 Land $5,006 Building $24,006	$87,036 Land $15,018 Building $72,018

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 May 4, 2016 · 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	2 in force
Nearby Flood Claims	1 (1982)
Most Recent Claim	Dec 1982 · tidal / storm surge

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	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	SPRINGFIELD serves 117,444 people · EPA ID IL1671200
Water Source	Surface water
Last State Inspection	Sep 2024
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	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 650 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Rise Broadband Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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