4550 E Spruce St, Decatur, IL 62526 Property Records

Macon County property record for 4550 E Spruce St, Decatur, IL 62526

Property Summary

Property Type	Single Family Home
Details	1 ba · 730 sqft · built 1947
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$44,000 (May 2019)
Tax Bill	$1,276 (2025)
Deeds & Mortgages	May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-13-08-259-020`

Property Details

APN / Parcel Number

Primary APN	`04-13-08-259-020`
Alternative APN	`13-08-259-020`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	730 sqft Living Area
1st Floor Area	730 sqft
Basement Area	730 sqft
Unfinished Basement	730 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Wood
Construction Type	Frame
Lot Area	7,405 sqft (0.17 acres)
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	041308259020
Street Address	4550 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	L 0078 B 00 M A NICKEY SHORE ACS ADD 58 04 2 31 0425 044 00 IRREG
Legal Subdivision	M A NICKEY SHORE ACS ADD
Jurisdiction	MACON IL
Township / Civil Division	DECATUR
Census Block Group	1
Census Block	1017
Census Tract	1100

Owner

Source: Macon County records, as of June 5, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4550 E SPRUCE ST, DECATUR, IL 62526-5760
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2019 · Amount on Record
Deed Sale	May 23, 2019 · Amount on Record
Prior Sale	Aug 17, 2006 · Amount on Record
Deed Document Number	201946122
Deed Book / Page	4676 / 470
Prior Transfer Date	Jun 7, 2006
Prior Transfer Doc	3731/440
Record Updated	Sep 20, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MACON IL
Recording Date	May 23, 2019
Property Address	4550 E SPRUCE ST, DECATUR, IL 62526-5760
Document Number	004676/470
Book / Page	4676 / 470
Map Reference	PB 300 PG 88
Instrument Date	May 21, 2019
Instrument	1946122
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$66.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004676/471
Date	May 23, 2019
Book Page	4676/471
Instrument	1946123

Lender

Name	CEFCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2034

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Macon County assessment roll, as of June 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Macon County
County Subdivision	Decatur Township
Municipality	Decatur City
Unified School District	Decatur School District 61 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,276.00 (+6.87%) Homeowner's exemption	$19,675 (+7.27%) Land $4,585 Building $15,090	$59,031 (+7.27%) Land $13,756 Building $45,275
2024	$1,194.00	$18,341 Land $4,274 Building $14,067	$55,028 Land $12,823 Building $42,205

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 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.

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	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

Violations Reported to EPA

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.

Internet Providers

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