57 W Mill St, Ruma (Red Bud), IL 62278 Property Records

Randolph County property record for 57 W Mill St, Ruma, IL 62278

Property Summary

Property Type	Single Family Home
Lot Size	0.95 acres (41,382 sqft)
Owner	2 Individual Names on Record
Last Sale	$115,000 (Oct 2023)
Tax Bill	$2,365 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Oct 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`13-149-007-50`

Property Details

APN / Parcel Number

Primary APN	`13-149-007-50`

Exterior

Lot Area	41,382 sqft (0.95 acres)

Location & Zoning

Street Address	57 W MILL ST
City	RUMA
State	IL
Zip	62278-2701
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	587/884 736/486-488 2013R03153 2017R03856 2022R03466 2022R03447 2023R02960 PT S1/2 SE .69AC SEC 32 T4 R8 IN RUMA
Legal Range	08
Legal Township	04
Legal Section	32
Jurisdiction	RANDOLPH IL
Township / Civil Division	RUMA
Census Block Group	2
Census Block	2035
Census Tract	950900

Owner

Source: Randolph County records, as of October 13, 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	57 W MILL ST, RUMA, IL 62278-2701
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Oct 26, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2023 · Amount on Record
Deed Sale	Oct 20, 2023 · Amount on Record
Prior Sale	Aug 1, 2013 · Amount on Record
Deed Document Number	20232960
Prior Transfer Date	Sep 23, 2017
Prior Transfer Doc	2017R03856
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	RANDOLPH IL
Recording Date	Oct 20, 2023
Property Address	57 W MILL ST, RUMA, IL 62278-2701
Document Number	2023R02960
Map Reference	BK 184 PG 443
Instrument Date	Oct 19, 2023
Instrument	2023R02960
Transaction Type	Transfer
Record Updated	Nov 15, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$172.50
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	57 W MILL ST, RUMA, IL 62278-2701

Mortgage

Document Number	2023R02961
Date	Oct 20, 2023
Instrument	2023R02961

Lender

Name	GUARANTEED RATE INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.75%

October 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RANDOLPH IL
Recording Date	Oct 26, 2017
Property Address	57 W MILL ST, RUMA, IL 62278-2701
Document Number	2017R03856
Instrument Date	Sep 23, 2017
Instrument	2017R03856
Transaction Type	Transfer
Record Updated	Aug 5, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	57 W MILL ST, RUMA, IL 62278-2701

Tax Assessment & Valuation

Source: Randolph County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Randolph County
Municipality	Ruma Village
Unified School District	Red Bud Community Unit School District 132 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,365.00 (+4.6%) Homeowner's exemption	$49,230 (+4.04%) Land $5,190 Building $44,040	$147,690 (+4.04%) Land $15,570 Building $132,120
2024	$2,261.00 (+20.39%) Homeowner's exemption Additional exemption filed	$47,320 (+17.36%) Land $4,870 Building $42,450	$141,960 (+17.36%) Land $14,610 Building $127,350
2022	$1,878.00 Homeowner's exemption	$40,320 Land $4,250 Building $36,070	$120,960 Land $12,750 Building $108,210

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, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (1993)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Aug 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 3 claims

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 96% of the US · lower than 74% 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	PRAIRIE DU ROCHER serves 759 people · EPA ID IL1570400
Water Source	Purchased groundwater from RUMA
Last State Inspection	Oct 2024
Lead	7 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Harrisonville Telephone Company DSL	100 / 20

May also be available: Verizon.

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