Jefferson County property record for 520 Spruce Dr, Mount Vernon, IL 62864
| Property Type | Single Family Home |
|---|---|
| Lot Size | 10 acres (435,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,000 (Dec 2021) |
| Tax Bill | $7,547 (2025) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage Sep 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-25-401-004 |
| Primary APN | 06-25-401-004 |
|---|
| Lot Area | 435,600 sqft (10 acres) |
|---|
| Street Address | 520 SPRUCE DR |
|---|---|
| City | MOUNT VERNON |
| State | IL |
| Zip | 62864-2331 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NE NW SE |
| Jurisdiction | JEFFERSON IL |
| Township / Civil Division | SHILOH |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 50600 |
520 Spruce Dr is owned and occupied by two individuals who bought it in December 2021.
Source: Jefferson County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 520 SPRUCE DR, MOUNT VERNON, IL 62864-2331 |
| 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.
| Date | Document |
|---|---|
| Dec 17, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage PEOPLES NATIONAL BANK |
| Sep 30, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance FIRST MID BANK AND TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 17, 2021 · Amount on File |
| Deed Sale | Dec 17, 2021 · Amount on File |
| Prior Sale | Apr 22, 2014 · Amount on File |
| Deed Document Number | 20216128 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JEFFERSON IL |
| Recording Date | Dec 17, 2021 |
| Property Address | 520 SPRUCE DR, MOUNT VERNON, IL 62864-2331 |
| Document Number | 0202106128 |
| Instrument Date | Dec 15, 2021 |
| Instrument | 202106128 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 520 SPRUCE DR, MOUNT VERNON, IL 62864-2331 |
| Document Number | 0202106129 |
|---|---|
| Date | Dec 17, 2021 |
| Instrument | 202106129 |
| Name | PEOPLES NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON IL |
| Property Address | 520 SPRUCE DR, MOUNT VERNON, IL 62864-2331 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202004644 |
|---|---|
| Date | Sep 30, 2020 |
| Instrument | 202004644 |
| Name | FIRST MID BANK AND TRUST |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
The 2025 property tax bill for 520 Spruce Dr was $7,547 with exemptions applied, down 0.9% from the year before.
Source: Jefferson County assessment roll, as of July 14, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Jefferson County |
| County Subdivision | Shiloh Township |
| Elementary School District | Mount Vernon School District 80 (PK - 08) |
| Secondary School District | Mount Vernon Township High School District 201 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,547.00 (-0.87%) Senior Citizen's exemption | $114,094 (+8%) Land $20,930 Building $93,164 | $342,282 (+8%) Land $62,790 Building $279,492 |
| 2024 | $7,613.00 | $105,643 Land $19,380 Building $86,263 | $316,929 Land $58,140 Building $258,789 |
| 2022 | $86,356 Land $13,375 Building $72,981 | $259,068 Land $40,125 Building $218,943 | |
| 2021 | $6,851.00 |
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.
FEMA maps place 520 Spruce Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 17, 2010
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 520 Spruce 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.
Source: FCC Broadband Data Collection, based on 123 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| ClearWave Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
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