Macon County property record for 4540 E Spruce St, Decatur, IL 62526
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,124 sqft · built 1924 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Company Name on File |
| Last Sale | $125,000 (Dec 2022) |
| Tax Bill | $4,589 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Dec 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-13-08-259-027 |
| Primary APN | 04-13-08-259-027 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,124 sqft Living Area |
| 1st Floor Area | 1,124 sqft |
| Basement Area | 1,124 sqft |
| Unfinished Basement | 1,124 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 14,810 sqft (0.34 acres) |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Porch | Porch |
| Porch Area | 220 sqft |
| Deck Area | 144 sqft |
| Cooling System | Central |
|---|
| Account Number | 041308259027 |
|---|---|
| Street Address | 4540 E SPRUCE ST |
| City | DECATUR |
| State | IL |
| Zip | 62526-5760 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MUNICIPAL |
| Legal Description | M A NICKEY SHORES ACRES ADD LTS 79,80 & 81 |
| Legal Range | 03E |
| Legal Township | 16N |
| Legal Section | 08 |
| Legal Subdivision | M A NICKEY SHORES ACRES ADD |
| Legal Lot Number | 79-81 |
| Jurisdiction | MACON IL |
| Township / Civil Division | DECATUR |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 1100 |
4540 E Spruce St is owned by a company that acquired it in September 2024.
Source: Macon County records, as of June 5, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 4540 E SPRUCE ST, DECATUR, IL 62526-5760 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 13, 2022 | Warranty Deed, Transfer · Commercial Mortgage COMMERCIAL LENDING LLC |
| Dec 13, 2022 | Intrafamily Transfer, Transfer |
| Dec 13, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 13, 2022 · Amount on File |
| Deed Sale | Dec 13, 2022 · Amount on File |
| Prior Sale | Jun 17, 2010 · Amount on File |
| Deed Document Number | 20222005555 |
| Deed Book / Page | 4931 / 528 |
| Last Transfer Date | Sep 6, 2024 |
| Transfer Doc | 2024R008689 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MACON IL |
| Recording Date | Dec 13, 2022 |
| Property Address | 4540 E SPRUCE ST, DECATUR, IL 62526-5760 |
| Document Number | 004931/528 |
| Book / Page | 4931 / 528 |
| Map Reference | BK 300 PG 88 |
| Instrument Date | Dec 7, 2022 |
| Instrument | 2005555 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $187.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4540 E SPRUCE ST, DECATUR, IL 62526-5760 |
| Document Number | 0002005556 |
|---|---|
| Date | Dec 13, 2022 |
| Instrument | 2005556 |
| Name | COMMERCIAL LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MACON IL |
| Recording Date | Dec 13, 2022 |
| Property Address | 4540 E SPRUCE ST, DECATUR, IL 62526-5760 |
| Document Number | 004931/527 |
| Book / Page | 4931 / 527 |
| Map Reference | BK 300 PG 88 |
| Instrument Date | Nov 28, 2022 |
| Instrument | 2005554 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4540 E SPRUCE ST, DECATUR, IL 62526-5760 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MACON IL |
| Recording Date | Dec 13, 2022 |
| Property Address | 4540 E SPRUCE ST, DECATUR, IL 62526-5760 |
| Document Number | 004931/526 |
| Book / Page | 4931 / 526 |
| Map Reference | BK 300 PG 88 |
| Instrument Date | Nov 27, 2022 |
| Instrument | 2005553 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4540 E SPRUCE ST, DECATUR, IL 62526-5760 |
The 2025 property tax bill for 4540 E Spruce St was $4,589, up 3.4% from the year before.
Source: Macon County assessment roll, as of June 5, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Macon County |
| County Subdivision | Decatur Township |
| Municipality | Decatur City |
| Unified School District | Decatur School District 61 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,589.00 (+3.4%) | $49,180 (+7.27%) Land $6,875 Building $42,305 | $147,555 (+7.27%) Land $20,627 Building $126,928 |
| 2024 | $4,438.00 | $45,847 Land $6,409 Building $39,438 | $137,555 Land $19,229 Building $118,326 |
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.
FEMA maps place 4540 E Spruce St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective November 28, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 2 (1979) |
| Most Recent Claim | Apr 1979 · 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.
The area around 4540 E Spruce 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DECATUR serves 76,122 people · EPA ID IL1150150 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2023 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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.
Source: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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