539 Beach St S, Kewanee, IL 61443 Property Records

Henry County property record for 539 Beach St S, Kewanee, IL 61443

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,056 sqft · built 1958
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,483 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2020 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25-04-381-020`

Property Details

APN / Parcel Number

Primary APN	`25-04-381-020`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft
Basement Area	1,056 sqft
Unfinished Basement	1,056 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Construction Type	Frame
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Street Address	539 BEACH ST S
City	KEWANEE
State	IL
Zip	61443-3617
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 VAL MAR HEIGHTS 1ST ADD VILLAGE OF WETHERSFIELD CITY OF KEWANEE
Legal Subdivision	VAL MAR HEIGHTS 1ST ADD
Legal Block	381
Legal Lot Number	4
Jurisdiction	HENRY IL
Township / Civil Division	WETHERSFIELD
Census Block Group	3
Census Block	3030
Census Tract	31000

Owner

539 Beach St S is owned and occupied by two individuals who acquired it in June 2015.

Source: Henry County records, as of June 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	539 BEACH ST S, KEWANEE, IL 61443-3617
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
Jul 28, 2020	Deed of Trust, Mortgage COMMUNITY ST BK
Jul 14, 2020	Loan Modification, Mortgage · Line of Credit COMMUNITY ST BK
Sep 26, 2019	Deed of Trust, Construction Loan · Construction Mortgage COMMUNITY ST BK
Oct 3, 2017	Deed of Trust, Mortgage · Line of Credit COMMUNITY ST BK
Aug 25, 2017	Deed of Trust, Mortgage COMMUNITY ST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2010
Deed Sale	May 18, 2010
Deed Document Number	201020-1003202
Last Transfer Date	Jun 2, 2015
Transfer Doc	0000003267
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENRY IL
Property Address	539 BEACH ST S, KEWANEE, IL 61443-3617
Document Number	0000004896
Instrument Date	Jul 28, 2020
Transaction Type	Mortgage
Record Updated	Sep 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	539 BEACH ST S KEWANEE IL 614433617, KEWANEE, IL 61443-3617

Mortgage

Document Number	0000004896
Date	Aug 4, 2020
Instrument	4896

Lender

Name	COMMUNITY ST BK
Type	Bank
Address	KEWANEE, IL 61443

Agreement

Amount	Amount on Record
Term	180 Months
Due	Aug 3, 2035

Interest

Rate Type	Fixed Rate
Rate	2.3%

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HENRY IL
Property Address	539 BEACH ST S, KEWANEE, IL 61443-3617
Document Number	0000004538
Instrument Date	Jul 14, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	539 BEACH ST KEWANEE IL 61443, KEWANEE, IL 61443

Mortgage

Document Number	0000004538
Date	Jul 23, 2020
Instrument	4538

Lender

Name	COMMUNITY ST BK
Type	Bank
Address	KEWANEE, IL 61443

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jul 22, 2025

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	HENRY IL
Recording Date	Sep 26, 2019
Property Address	539 BEACH ST S, KEWANEE, IL 61443-3617
Document Number	0000004943
Instrument Date	Sep 16, 2019
Instrument	4943
Transaction Type	Construction Loan
Record Updated	Aug 26, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	539 BEACH ST S KEWANEE IL 614433617, KEWANEE, IL 61443-3617

Mortgage

Document Number	0000004943
Date	Sep 26, 2019
Instrument	4943

Lender

Name	COMMUNITY ST BK
Type	Bank
Address	KEWANEE, IL 61443

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 25, 2020

Interest

Rate	6.75%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENRY IL
Property Address	539 BEACH ST S, KEWANEE, IL 61443-3617
Document Number	0000005917
Instrument Date	Oct 3, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	539 BEACH ST S KEWANEE IL 614433617, KEWANEE, IL 61443-3617

Mortgage

Document Number	0000005917
Date	Oct 12, 2017
Instrument	5917

Lender

Name	COMMUNITY ST BK
Type	Bank
Address	KEWANEE, IL 61443

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Oct 11, 2022

Interest

Rate Type	Adjustable Rate
Rate	5.76%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENRY IL
Property Address	539 BEACH ST S, KEWANEE, IL 61443-3617
Document Number	0000005106
Instrument Date	Aug 25, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	539 BEACH ST S KEWANEE IL 614433617, KEWANEE, IL 61443-3617

Mortgage

Document Number	0000005106
Date	Aug 31, 2017
Instrument	5106

Lender

Name	COMMUNITY ST BK
Type	Bank
Address	KEWANEE, IL 61443

Agreement

Amount	Amount on Record
Term	240 Months
Due	Aug 30, 2037

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 539 Beach St S was $3,483 with a homeowner's exemption, up 8% from the year before.

Source: Henry County assessment roll, as of June 19, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Henry County
County Subdivision	Wethersfield Township
Municipality	Kewanee City
Unified School District	Wethersfield Community Unit School District 230 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,483.00 (+8%) Homeowner's exemption	$38,895 (+9.5%) Land $4,544 Building $34,351	$116,685 (+9.5%) Land $13,632 Building $103,053
2024	$3,225.00	$35,521 Land $4,150 Building $31,371	$106,563 Land $12,450 Building $94,113
2022		$31,456 Land $3,675 Building $27,781	$94,368 Land $11,025 Building $83,343
2021	$2,322.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 539 Beach St S in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective June 2, 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 Policies	2 in force
Nearby Flood Claims	2 (2008–2010)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2010 · 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

Wildfire risk around 539 Beach St S 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	KEWANEE serves 12,509 people · EPA ID IL0730650
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	3 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	3 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 302 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	2,000 / 2,000
Xfinity Cable	1,200 / 35
Nextlink Fixed Wireless	200 / 50

May also be available: Cambridge Telcom Services, Verizon.

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