482 W Mill St, Ruma (Red Bud), IL 62278 Property Records

Randolph County property record for 482 W Mill St, Ruma, IL 62278

Property Summary

Property Type	Single Family Home
Lot Size	1.03 acres (44,867 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Aug 2022)
Tax Bill	$5,111 (2025)
Deeds & Mortgages	May 2026 Mortgage Aug 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-052-021-00`

Property Details

APN / Parcel Number

Primary APN	`14-052-021-00`

Exterior

Lot Area	44,867 sqft (1.03 acres)

Location & Zoning

Street Address	482 W MILL ST
City	RUMA
State	IL
Zip	62278-2708
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	455/568 676/289 2021R04154 2022R02412 LOT 107 1.03 3AC. DONALD NEVOIS S/D OF P T LOT 7 SHADY BROOK S/D
Legal Subdivision	DONALD NEVOIS
Legal Lot Number	7,107
Jurisdiction	RANDOLPH IL
Township / Civil Division	RUMA
Census Block Group	2
Census Block	2038
Census Tract	950900

Owner

Source: Randolph County records, as of October 13, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	482 W MILL ST, RUMA, IL 62278-2708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Aug 4, 2022	Warranty Deed, Transfer · VA Mortgage DAS ACQUISITION CO LLC
Oct 22, 2021	Warranty Deed, Transfer · Conventional Mortgage MIDWEST BANKCENTRE
May 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2022 · Amount on Record
Deed Sale	Aug 4, 2022 · Amount on Record
Prior Sale	Oct 22, 2021 · Amount on Record
Deed Document Number	20222412
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANDOLPH IL
Recording Date	May 21, 2026
Property Address	482 W MILL ST, RUMA, IL 62278-2708
Document Number	0000001532
Instrument Date	May 17, 2026
Instrument	20261532
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	482 W MILL ST, RUMA, IL 62278-2708

Mortgage

Document Number	0000001532,
Date	May 21, 2026
Instrument	20261532

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.49%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RANDOLPH IL
Recording Date	Aug 4, 2022
Property Address	482 W MILL ST, RUMA, IL 62278-2708
Document Number	2022R02412
Map Reference	PC 5 JAC 76
Instrument Date	Aug 3, 2022
Instrument	2022R02412
Transaction Type	Transfer
Record Updated	Aug 24, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$442.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	482 W MILL ST, RUMA, IL 62278-2708

Mortgage

Document Number	2022R02413
Date	Aug 4, 2022
Instrument	2022R02413

Lender

Name	DAS ACQUISITION CO LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate	6.13%

Mortgage

Document Number	2022R02414
Date	Aug 4, 2022
Instrument	2022R02414

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 1, 2032

Interest

Rate Type	Fixed Rate

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RANDOLPH IL
Recording Date	Oct 22, 2021
Property Address	482 W MILL ST, RUMA, IL 62278-2708
Document Number	2021R04154
Map Reference	PC 5 JAC 76
Instrument Date	Oct 21, 2021
Instrument	2021R04154
Transaction Type	Transfer
Record Updated	Nov 10, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$442.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	482 W MILL ST, RUMA, IL 62278-2708

Mortgage

Document Number	2021R04155
Date	Oct 22, 2021
Instrument	2021R04155

Lender

Name	MIDWEST BANKCENTRE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	3%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANDOLPH IL
Property Address	482 W MILL ST, RUMA, IL 62278-2708
Transaction Type	Mortgage
Record Updated	May 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018R01324
Date	May 1, 2018
Instrument	2018R01324

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 20, 2023

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Randolph County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Randolph County
Unified School District	Red Bud Community Unit School District 132 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,111.00 (+7.28%) Homeowner's exemption	$103,860 (+6.83%) Land $4,315 Building $99,545	$311,580 (+6.83%) Land $12,945 Building $298,635
2024	$4,764.00 (+15.3%) Homeowner's exemption	$97,220 (+14.21%) Land $4,040 Building $93,180	$291,660 (+14.21%) Land $12,120 Building $279,540
2022	$4,132.00 Homeowner's exemption	$85,125 Land $3,535 Building $81,590	$255,375 Land $10,605 Building $244,770

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 August 18, 2022 · 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	4 in force
Nearby Flood Claims	3 (1993)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Aug 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 3 claims

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	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Harrisonville Telephone Company Fixed Wireless · DSL	50 / 10

Cell Coverage

5G (outdoors only) and 4G LTE

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