495 E Division St, Coal City, IL 60416 Property Records

Grundy County property record for 495 E Division St, Coal City, IL 60416

Property Summary

Property Type	Single Family Home
Details	1,309 sqft · built 1920
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$181,000 (Oct 2022)
Tax Bill	$3,679 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Nov 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-02-126-009`

Property Details

APN / Parcel Number

Primary APN	`09-02-126-009`

Interior

Building Area	1,309 sqft Total Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	9,583 sqft (0.22 acres)

Location & Zoning

Street Address	495 E DIVISION ST
City	COAL CITY
State	IL
Zip	60416-1653
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASSESSORS SUB OF PT N1/2 NW1/4 SEC 2-32-8, LT 1 BLK 2 SEC 2-32-8
Legal Range	08W
Legal Township	32N
Legal Section	02
Legal Subdivision	ASSESSOR SUBDIVISION
Legal Block	2
Legal Lot Number	1
Jurisdiction	GRUNDY IL
Township / Civil Division	BRACEVILLE
Census Block Group	2
Census Block	2009
Census Tract	800

Owner

495 E Division St is owned and occupied by an individual who bought it in October 2022.

Source: Grundy County records, as of June 30, 2026

Owner of Record	Individual Name on File
Mailing Address	495 E DIVISION ST, COAL CITY, IL 60416-1653
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
Oct 4, 2022	Warranty Deed, Transfer · FHA Mortgage BAY EQUITY LLC
Nov 28, 2017	Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Sep 7, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2022 · Amount on File
Deed Sale	Oct 4, 2022 · Amount on File
Prior Sale	Nov 28, 2017 · Amount on File
Deed Document Number	2022615972
Prior Transfer Date	Aug 18, 2017
Prior Transfer Doc	0000572345
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRUNDY IL
Recording Date	Oct 4, 2022
Property Address	495 E DIVISION ST, COAL CITY, IL 60416-1653
Document Number	0000615972
Instrument Date	Sep 28, 2022
Instrument	615972
Transaction Type	Transfer
Record Updated	Oct 26, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$271.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	495 E DIVISION ST, COAL CITY, IL 60416-1653

Mortgage

Document Number	0000615973
Date	Oct 4, 2022
Instrument	615973

Lender

Name	BAY EQUITY LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.75%

November 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	GRUNDY IL
Recording Date	Nov 28, 2017
Property Address	495 E DIVISION ST, COAL CITY, IL 60416-1653
Document Number	0000574135
Instrument Date	Nov 21, 2017
Instrument	574135
Transaction Type	Transfer
Record Updated	Jul 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$227.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	830 E 1ST ST, 830, COAL CITY, IL 60416-1303

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 E DIVISION ST, COAL CITY, IL 60416-1653

Mortgage

Document Number	0000574136
Date	Nov 28, 2017
Instrument	574136

Lender

Name	FLAGSTAR BANK FSB

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	GRUNDY IL
Recording Date	Sep 7, 2017
Property Address	495 E DIVISION ST, COAL CITY, IL 60416-1653
Document Number	0000572345
Instrument Date	Aug 18, 2017
Instrument	572345
Transaction Type	Transfer
Record Updated	Oct 3, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$100.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3846 N 2250W RD BOURBONNAIS IL 609143994, BOURBONNAIS, IL 60914-3994

Tax Assessment & Valuation

The 2025 property tax bill for 495 E Division St was $3,679 with a homeowner's exemption.

Source: Grundy County assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Grundy County
County Subdivision	Braceville Township
Municipality	Coal City Village
Unified School District	Coal City Community Unit School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,679.00	$51,461 Land $8,578 Building $42,883	$154,383 Land $25,734 Building $128,649
2022	$2,586.00 Homeowner's exemption	$42,185 Land $7,032 Building $35,153	$126,555 Land $21,096 Building $105,459

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 maps place 495 E Division St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective September 30, 2023 · 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	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2008 · Severe Storms And 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 495 E Division St 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 98% of the US · lower than 86% 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	COAL CITY serves 5,845 people · EPA ID IL0630200
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Jul 2021
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 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 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Watch TV Fixed Wireless	100 / 20

May also be available: T-Mobile.

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