4826 Cedar Spring Dr, Highland, IL 62249 Property Records

Madison County property record for 4826 Cedar Spring Dr, Highland, IL 62249

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,424 sqft · built 2006
Lot Size	0.282 acres (12,308 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (Mar 2024)
Tax Bill	$5,951 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2024 Sale & Mortgage + 2 more
APN	`03-2-12-33-17-302-006`

Property Details

APN / Parcel Number

Primary APN	`03-2-12-33-17-302-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,424 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum Siding
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	368 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	4826 CEDAR SPRING DR
City	HIGHLAND
State	IL
Zip	62249-3355
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR SPRING LOT 6 90.5 X 136
Legal Subdivision	CEDAR SPG
Legal Lot Number	6
Jurisdiction	MADISON IL
Township / Civil Division	LEEF
Census Block Group	4
Census Block	4100
Census Tract	403802

Owner

4826 Cedar Spring Dr is owned and occupied by an individual who bought it in March 2024.

Source: Madison County records, as of September 22, 2026

Owner of Record	Individual Name on File
Mailing Address	4826 CEDAR SPRING DR, HIGHLAND, IL 62249-3355
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage SCOTT CREDIT UNION
Mar 20, 2024	Warranty Deed, Transfer · FHA Mortgage HIGHLANDS RESIDENTIAL MORTGAGE
Apr 29, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage SCOTT CU
Sep 17, 2018	Deed of Trust, Mortgage · Conventional Mortgage SCOTT CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2024 · Amount on File
Deed Sale	Mar 20, 2024 · Amount on File
Prior Sale	May 3, 2013 · Amount on File
Deed Document Number	20247220
Prior Transfer Date	Apr 19, 2021
Prior Transfer Doc	0000018571
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Recording Date	Apr 6, 2026
Property Address	4826 CEDAR SPRING DR, HIGHLAND, IL 62249-3355
Document Number	0000009669
Instrument Date	Mar 30, 2026
Instrument	20269669
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4826 CEDAR SPRING DR, HIGHLAND, IL 62249-3355

Mortgage

Document Number	0000009669,
Date	Apr 6, 2026
Instrument	20269669

Lender

Name	SCOTT CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2033
Change Frequency	6 Months
Index	Other
Margin	3
Max Rate	10.6%

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON IL
Recording Date	Mar 20, 2024
Property Address	4826 CEDAR SPRING DR, HIGHLAND, IL 62249-3355
Document Number	0000007220
Map Reference	PC 63 PG 324
Instrument Date	Mar 18, 2024
Instrument	2024R07220
Transaction Type	Transfer
Record Updated	Apr 3, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
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
Address	4826 CEDAR SPRING DR, HIGHLAND, IL 62249-3355

Mortgage

Document Number	0000007221
Date	Mar 20, 2024
Instrument	2024R07221

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.37%

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON IL
Recording Date	Apr 29, 2021
Property Address	4826 CEDAR SPRING DR, HIGHLAND, IL 62249-3355
Document Number	0000018571
Map Reference	PC 63 PG 324
Instrument Date	Apr 19, 2021
Instrument	2021R18571
Transaction Type	Transfer
Record Updated	May 19, 2021
Title Company	COMMUNITY TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4826 CEDAR SPRING DR, HIGHLAND, IL 62249-3355

Mortgage

Document Number	0000018572
Date	Apr 29, 2021
Instrument	2021R18572

Lender

Name	SCOTT CU

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	3.25%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON IL
Property Address	4826 CEDAR SPRING DR, HIGHLAND, IL 62249-3355
Document Number	0000030287
Instrument Date	Sep 17, 2018
Transaction Type	Mortgage
Record Updated	Oct 5, 2018
Title Company	ILLINOIS TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4826 CEDAR SPRING DR HIGHLAND IL 622493355, HIGHLAND, IL 62249-3355

Mortgage

Document Number	0000030287
Date	Sep 26, 2018
Instrument	30287

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 25, 2028

Interest

Rate Type	Fixed Rate
Rate	5.75%

Tax Assessment & Valuation

The 2025 property tax bill for 4826 Cedar Spring Dr was $5,951, up 17.2% from the year before.

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	$5,951.00 (+17.24%)	$82,670 Land $14,740 Building $67,930	$248,010 Land $44,220 Building $203,790
2024	$5,076.00
2022	$4,276.00	$61,240 Land $10,920 Building $50,320	$183,904 Land $32,793 Building $151,111

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

FEMA has no flood map on file for 4826 Cedar Spring Dr; there have been 1 flood claim nearby since 2019.

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

Wildfire risk around 4826 Cedar Spring Dr is low, with less than a 0.01% annual chance of 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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