531 W Chambers St, Jacksonville, IL 62650 Property Records

Morgan County property record for 531 W Chambers St, Jacksonville, IL 62650

Property Summary

Property Type	Single Family Home
Lot Size	0.69 acres (30,056 sqft)
Owner	Individual Name on Record
Last Sale	$38,900 (Aug 2020)
Tax Bill	$787 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Aug 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`09-20-403-002`

Property Details

APN / Parcel Number

Primary APN	`09-20-403-002`

Exterior

Lot Area	30,056 sqft (0.69 acres)
Lot Dimensions	373 ft deep x 80 ft wide

Location & Zoning

Street Address	531 W CHAMBERS ST
City	JACKSONVILLE
State	IL
Zip	62650-2825
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RNG/BLK: TWP:0 SECT/LOT: CITY OF JACKSONVILLE EDGMONS THIRD ADDITION LT 7 LT 80FT X 373FT DOC-496729 10-10-00 42,000
Legal Range	10W
Legal Township	15N
Legal Section	20
Legal Subdivision	EDGMONS THIRD ADD
Legal Lot Number	7
Jurisdiction	MORGAN IL
Township / Civil Division	JACKSONVILLE NO. 5
Census Block Group	1
Census Block	1019
Census Tract	952000

Owner

Source: Morgan County records, as of August 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	531 W CHAMBERS ST, JACKSONVILLE, IL 62650-2825
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Aug 13, 2020	Warranty Deed, Transfer · Conventional Mortgage CNB BANK & TRUST NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2020 · Amount on Record
Deed Sale	Aug 13, 2020 · Amount on Record
Prior Sale	Apr 16, 2014 · Amount on Record
Deed Document Number	2020633076
Prior Transfer Date	Jan 30, 2008
Prior Transfer Doc	0000560395
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN IL
Property Address	531 W CHAMBERS ST, JACKSONVILLE, IL 62650-2825
Transaction Type	Mortgage
Record Updated	Nov 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000639134
Date	Aug 30, 2021
Instrument	639134

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	RENO, NV 89501

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN IL
Recording Date	Aug 13, 2020
Property Address	531 W CHAMBERS ST, JACKSONVILLE, IL 62650-2825
Document Number	0000633076
Map Reference	MB 124 PG 55
Instrument Date	Aug 11, 2020
Instrument	633076
Transaction Type	Transfer
Record Updated	Nov 10, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$58.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4534 SE 5TH PL # PL4, PL4, CAPE CORAL, FL 33904-2508

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	531 W CHAMBERS ST, JACKSONVILLE, IL 62650-2825

Mortgage

Document Number	0000633077
Date	Aug 13, 2020
Instrument	633077

Lender

Name	CNB BANK & TRUST NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Sep 1, 2021

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

Source: Morgan County assessment roll, as of May 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Morgan County
Municipality	Jacksonville City
Unified School District	Jacksonville School District 117 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$787.00 (+14.72%)	$16,870 (+27.51%) Land $2,780 Building $14,090	$50,610 (+27.51%) Land $8,340 Building $42,270
2024	$686.00 (-0.29%)
2023		$13,230 (-) Land $2,780 Building $10,450	$39,690 (-) Land $8,340 Building $31,350
2022	$688.00 (+33.33%) Homeowner's exemption	$13,230 Land $2,780 Building $10,450	$39,690 Land $8,340 Building $31,350
2021	$516.00

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.

Flood

Source: FEMA National Flood Hazard Layer, effective August 18, 2009 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	15 (1979–2021)
Claims Outside the SFHA	2 of 15
Most Recent Claim	Jun 2021 · rainfall accumulation

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	Not rated no burnable land within 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	JACKSONVILLE serves 19,903 people · EPA ID IL1370200
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2026–2028) 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 187 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Illinois Net, T-Mobile, Wisper ISP.

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