490 E Main St, Wellington, IL 60973 Property Records

Iroquois County property record for 490 E Main St, Wellington, IL 60973

Property Summary

Property Type	Single Family Home
Lot Size	0.387 acres (16,876 sqft)
Owner	2 Individual Names on Record
Last Sale	$45,000 (Dec 2023)
Tax Bill	$1,551 (2025)
Deeds & Mortgages	May 2021 Line of Credit Mar 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`40 14 426 009`

Property Details

APN / Parcel Number

Primary APN	`40 14 426 009`

Exterior

Lot Area	16,876 sqft (0.387 acres)

Location & Zoning

Street Address	490 E MAIN ST
City	WELLINGTON
State	IL
Zip	60973
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ADSIT'S ADD N 255' LT E VIL OF WELLINGTON
Legal Subdivision	ADSIT'S ADD
Legal Lot Number	E,VIL
Jurisdiction	IROQUOIS IL
Township / Civil Division	LOVEJOY
Census Block Group	1
Census Block	1090
Census Tract	950900

Owner

Source: Iroquois County records, as of July 17, 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	490 E MAIN ST, WELLINGTON, IL 60973
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2021	Deed of Trust, Mortgage · Line of Credit FIRST FARMERS BANK & TRUST
Mar 29, 2023	Deed of Trust, Mortgage · Line of Credit FIRST FARMERS BANK & TRUST
Dec 13, 2023	Warranty Deed, Transfer · Conventional Mortgage CENTRA CU
Dec 13, 2023	Warranty Deed, Transfer · Conventional Mortgage CENTRA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2023 · Amount on Record
Deed Sale	Dec 13, 2023 · Amount on Record
Deed Document Number	20233532
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	490 E MAIN ST, WELLINGTON, IL 60973
Transaction Type	Mortgage
Record Updated	Feb 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00021R2090
Date	May 27, 2021
Instrument	21R2090

Lender

Name	FIRST FARMERS BANK & TRUST
Type	Bank
Address	CONVERSE, IN 46919

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 23, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	490 E MAIN ST, WELLINGTON, IL 60973
Transaction Type	Mortgage
Record Updated	Feb 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00023R0880
Date	Mar 29, 2023
Instrument	23R0880

Lender

Name	FIRST FARMERS BANK & TRUST
Type	Bank
Address	CONVERSE, IN 46919

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Mar 23, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Dec 13, 2023
Property Address	490 E MAIN ST, WELLINGTON, IL 60973
Document Number	00023R3532
Instrument Date	Dec 9, 2023
Instrument	23R3532
Transaction Type	Transfer
Record Updated	Feb 1, 2024
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	125 N WASHINGTON ST, PAXTON, IL 60957-1341

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	490 E MAIN ST, WELLINGTON, IL 60973

Mortgage

Document Number	00023R3533
Date	Dec 13, 2023
Instrument	23R3533

Lender

Name	CENTRA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	Jan 1, 2034
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	12.7%
Index	1-Year T-Bill
Margin	3
Max Rate	9.25%

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Dec 13, 2023
Property Address	490 E MAIN ST, WELLINGTON, IL 60973
Document Number	00023R3532
Instrument Date	Dec 8, 2023
Instrument	23R3532
Transaction Type	Transfer
Record Updated	Jan 2, 2024
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	125 W WASHINGTON ST, PAXTON, IL 60957

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	490 E MAIN ST, WELLINGTON, IL 60973

Mortgage

Document Number	00023R3533
Date	Dec 13, 2023
Instrument	23R3533

Lender

Name	CENTRA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Type Change Date	Jan 1, 2034
Change Frequency	Annually
Min Rate At Change	5.25%
Max Rate At Change	9.25%
Index	1-Year T-Bill
Margin	3
Max Rate	12.7%

Tax Assessment & Valuation

Source: Iroquois County assessment roll, as of July 17, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Iroquois County
County Subdivision	Lovejoy Township
Municipality	Wellington Village
Unified School District	Hoopeston Area Community Unit School District 11 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,551.00 (+219.14%)	$28,310 (+29.33%) Land $1,410 Building $26,900	$84,930 (+29.33%) Land $4,230 Building $80,700
2022	$486.00 Homeowner's exemption Senior Citizen's exemption	$21,890 Land $1,090 Building $20,800	$65,670 Land $3,270 Building $62,400

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 16, 2011 · 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 Claims	2 (2015–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2018 · 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 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	WELLINGTON serves 206 people · EPA ID IL0750950
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	5 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 131 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sparklight Cable	1,000 / 50

May also be available: Nextlink.

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