4822 Cedar Spring Dr, Highland, IL 62249 Property Records

Madison County property record for 4822 Cedar Spring Dr, Highland, IL 62249

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,517 sqft · built 2006
Lot Size	0.282 acres (12,308 sqft)
Owner	2 Individual Names on Record
Last Sale	$332,000 (Nov 2025)
Tax Bill	$6,241 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Aug 2023 Sale & Mortgage + 4 more
APN	`03-2-12-33-17-302-005`

Property Details

APN / Parcel Number

Primary APN	`03-2-12-33-17-302-005`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,517 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Modern
Exterior Material	Vinyl
Construction Type	Frame
Lot Area	12,308 sqft (0.282 acres)
Lot Dimensions	136 ft deep x 90 ft wide
Garage Type	Attached
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4822 CEDAR SPRING DR
City	HIGHLAND
State	IL
Zip	62249-3355
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR SPRING LOT 5 90.5 X 136
Legal Subdivision	CEDAR SPRING SUB
Legal Lot Number	5
Jurisdiction	MADISON IL
Township / Civil Division	LEEF
Census Block Group	4
Census Block	4100
Census Tract	403802

Owner

Source: Madison County records, as of June 25, 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	4822 CEDAR SPRING DR, HIGHLAND, IL 62249-3355
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2025	Warranty Deed, Transfer · Conventional Mortgage TJC MORTGAGE INC
Aug 17, 2023	Warranty Deed, Transfer · Conventional Mortgage CARROLLTON BANK
Jun 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage SCOTT CU
Apr 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF HILLSBORO
Jun 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF HILLSBORO
Jul 18, 2018	Warranty Deed, Transfer · ARM NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2025 · Amount on Record
Deed Sale	Nov 4, 2025 · Amount on Record
Prior Sale	Aug 17, 2023 · Amount on Record
Deed Document Number	202531112
Prior Transfer Date	Jul 29, 2005
Prior Transfer Doc	0000044173
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Nov 4, 2025
Property Address	4822 CEDAR SPRING DR, HIGHLAND, IL 62249-3355
Document Number	0000031112
Map Reference	PC 63 PG 324
Instrument Date	Oct 24, 2025
Instrument	2025R31112
Transaction Type	Transfer
Record Updated	Dec 3, 2025
Title Company	ABSTRACTS AND TITLES INC, ABSTRACTS & TITLES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$498.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4822 CEDAR SPRING DR, HIGHLAND, IL 62249-3355

Mortgage

Document Number	0000031113
Date	Nov 4, 2025
Instrument	2025R31113

Lender

Name	TJC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2045

Interest

Rate Type	Fixed Rate
Rate	6.63%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Aug 17, 2023
Property Address	4822 CEDAR SPRING DR, HIGHLAND, IL 62249-3355
Document Number	0000021928
Map Reference	PC 63 PG 324
Instrument Date	Aug 11, 2023
Instrument	2023R21928
Transaction Type	Transfer
Record Updated	Sep 7, 2023
Title Company	HIGHLAND CMNTY TITLE LLC, HIGHLAND COMMUNITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$436.50
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	4822 CEDAR SPRING DR, HIGHLAND, IL 62249-3355

Mortgage

Document Number	0000021929
Date	Aug 17, 2023
Instrument	2023R21929

Lender

Name	CARROLLTON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	7.25%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	4822 CEDAR SPRING DR, HIGHLAND, IL 62249-3355
Transaction Type	Mortgage
Record Updated	Jul 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020176
Date	Jun 15, 2022
Instrument	2022R20176

Lender

Name	SCOTT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 14, 2047

Interest

Rate Type	Fixed Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	4822 CEDAR SPRING DR, HIGHLAND, IL 62249-3355
Document Number	0000014489
Instrument Date	Apr 21, 2020
Transaction Type	Mortgage
Record Updated	May 28, 2020
Title Company	COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4822 CEDAR SPRING DR HIGHLAND IL 622493355, HIGHLAND, IL 62249-3355

Mortgage

Document Number	0000014489
Date	May 7, 2020
Instrument	14489

Lender

Name	BANK OF HILLSBORO
Type	Bank
Address	HILLSBORO, IL 62049

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 6, 2035

Interest

Rate Type	Fixed Rate
Rate	2.37%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	4822 CEDAR SPRING DR, HIGHLAND, IL 62249-3355
Document Number	0000020619
Instrument Date	Jun 24, 2019
Transaction Type	Mortgage
Record Updated	Jul 23, 2019
Title Company	COMMUNITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4822 CEDAR SPRING DR HIGHLAND IL 622493355, HIGHLAND, IL 62249-3355

Mortgage

Document Number	0000020619
Date	Jul 3, 2019
Instrument	20619

Lender

Name	BANK OF HILLSBORO
Type	Bank
Address	HILLSBORO, IL 62049

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2049

Interest

Rate Type	Fixed Rate
Rate	4.12%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Jul 18, 2018
Property Address	4822 CEDAR SPRING DR, HIGHLAND, IL 62249-3355
Document Number	0000021909
Map Reference	PC 63 PG324
Instrument Date	Jul 2, 2018
Instrument	2018R21909
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.50
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	4822 CEDAR SPRING DR, HIGHLAND, IL 62249-3355

Mortgage

Document Number	0000021910
Date	Jul 18, 2018
Instrument	2018R21910

Lender

Name	NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2021
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.63%
Index	1-Year CMT
Margin	3

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,241.00 (+7.96%)	$86,700 (+9.14%) Land $14,740 Building $71,960	$260,100 (+9.14%) Land $44,220 Building $215,880
2024	$5,781.00 (+28.27%)	$79,440 (+23.7%) Land $13,510 Building $65,930	$238,320 (+23.58%) Land $40,530 Building $197,790
2022	$4,507.00	$64,220 Land $10,920 Building $53,300	$192,853 Land $32,793 Building $160,060

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2019)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2019 · river or lake flooding

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 97% of the US · lower than 79% 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	GRANTFORK serves 1,766 people · EPA ID IL1190350
Water Source	Purchased surface water from several systems
Last State Inspection	May 2024
Lead	Under 1 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	18 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Allpoint NetworX Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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