521 Willows Ave, Chatham, IL 62629 Property Records

Sangamon County property record for 521 Willows Ave, Chatham, IL 62629

Property Summary

Property Type	Single Family Home
Lot Size	0.276 acres (12,040 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (May 2023)
Tax Bill	$7,367 (2025)
Deeds & Mortgages	Aug 2009 Mortgage Aug 2009 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29-08.0-178-018`

Property Details

APN / Parcel Number

Primary APN	`29-08.0-178-018`
Alternative APN	`29080178018 (CHECK DIGIT = 9)`

Exterior

Lot Area	12,040 sqft (0.276 acres)

Location & Zoning

Account Number	29080178018
Street Address	521 WILLOWS AVE
City	CHATHAM
State	IL
Zip	62629-1552
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L 3 THE WILLOWS PLAT 1 (12,040 SQ FT) 8-14-5
Legal Range	05
Legal Township	14
Legal Section	08
Legal Subdivision	WILLOWS 01
Jurisdiction	SANGAMON IL
Township / Civil Division	BALL
Census Block Group	3
Census Block	3033
Census Tract	3201

Owner

Source: Sangamon County records, as of June 2, 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	521 WILLOWS AVE, CHATHAM, IL 62629-1552
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2009	Deed of Trust, Mortgage · Stand-Alone First Mortgage SECURITY BANK
Aug 12, 2009	Deed of Trust, Mortgage · Stand-Alone First Mortgage SECURITY BANK
May 5, 2023	Warranty Deed, Transfer NOT AVAILABLE, ACT
Oct 31, 2022	Warranty Deed, Transfer · Conventional Mortgage INB NA
Apr 10, 2020	Warranty Deed, Transfer · Conventional Mortgage TOWN & COUNTRY BANC MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2023 · Amount on Record
Deed Sale	May 5, 2023 · Amount on Record
Prior Sale	Oct 31, 2022 · Amount on Record
Deed Document Number	20237485
Record Updated	Sep 20, 2026

August 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANGAMON IL
Property Address	521 WILLOWS AVE, CHATHAM, IL 62629-1552
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2009R40389
Date	Aug 12, 2009
Instrument	2009R40389

Lender

Name	SECURITY BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 11, 2019

Interest

Rate Type	Fixed Rate

August 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANGAMON IL
Property Address	521 WILLOWS AVE, CHATHAM, IL 62629-1552
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2009R40388
Date	Aug 12, 2009
Instrument	2009R40388

Lender

Name	SECURITY BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2039

Interest

Rate Type	Fixed Rate

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANGAMON IL
Recording Date	May 5, 2023
Property Address	521 WILLOWS AVE, CHATHAM, IL 62629-1552
Document Number	2023R07485
Map Reference	DOC 2004R21184
Instrument Date	May 4, 2023
Instrument	2023R07485
Transaction Type	Transfer
Record Updated	Sep 15, 2023
Title Company	NOT AVAILABLE, ACT

Transaction

Amount	Amount Recorded
Tax	$450.00
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 with Right of Survivorship
Address	521 WILLOWS AVE, CHATHAM, IL 62629-1552

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANGAMON IL
Recording Date	Oct 31, 2022
Property Address	521 WILLOWS AVE, CHATHAM, IL 62629-1552
Document Number	2022R23223
Map Reference	DOC 2004R21184
Instrument Date	Oct 27, 2022
Instrument	2022R23223
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 WILLOWS AVE, CHATHAM, IL 62629-1552
Investor	Possibly a Property Investor

Mortgage

Document Number	2022R23224
Date	Oct 31, 2022
Instrument	2022R23224

Lender

Name	INB NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Max Rate At Change	10.2%
Index	1-Year CMT

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANGAMON IL
Recording Date	Apr 10, 2020
Property Address	521 WILLOWS AVE, CHATHAM, IL 62629-1552
Document Number	2020R07555
Instrument Date	Apr 7, 2020
Instrument	2020R07555
Transaction Type	Transfer
Record Updated	Sep 15, 2023
Title Company	PRAIRIE TITLE, PRAIRIE LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10125 PRAIRIE CREEK RD, NEW BERLIN, IL 62670-6527

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 WILLOWS AVE, CHATHAM, IL 62629-1552

Mortgage

Document Number	2020R07556
Date	Apr 10, 2020
Instrument	2020R07556

Lender

Name	TOWN & COUNTRY BANC MTG SVCS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Sangamon County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Chatham Village
County	Sangamon County
County Subdivision	Ball Township
Unified School District	Ball-Chatham Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,367.00 (+43.86%)	$107,109 (+48.14%) Land $15,050 Building $92,059	$321,327 (+48.14%) Land $45,150 Building $276,177
2022	$5,121.00 Homeowner's exemption	$72,302 Land $11,857 Building $60,445	$216,906 Land $35,571 Building $181,335

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 May 4, 2016 · 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 Policies	1 in force

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 99.1% of the US · lower than 94% 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	CHATHAM serves 16,423 people · EPA ID IL1670300
Water Source	Purchased groundwater from several systems
Last State Inspection	May 2025
Lead	Under 1 ppb (2025–2027) 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 305 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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