Marion County property record for 609 Tracy Ter, Centralia, IL 62801
| Property Type | Single Family Home |
|---|---|
| Details | 2,694 sqft · built 1997 |
| Lot Size | 0.348 acres (15,175 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $155,000 (May 2021) |
| Tax Bill | $6,600 (2025) |
| Deeds & Mortgages | Dec 2023 Line of Credit Feb 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1400079796 |
| Primary APN | 1400079796 |
|---|
| Building Area | 2,694 sqft Living Area |
|---|---|
| Basement Area | 728 sqft |
| Unfinished Basement | 728 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Lot Area | 15,175 sqft (0.348 acres) |
| Garage Area | 528 sqft |
| Street Address | 609 TRACY TER |
|---|---|
| City | CENTRALIA |
| State | IL |
| Zip | 62801-4477 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BROOKHAVEN SUB PHASE III LOT 49 & N 1/2 LOT 50 |
| Legal Subdivision | BROOKHAVEN SUB |
| Legal Phase | 3 |
| Legal Lot Number | 49,50 |
| Jurisdiction | MARION IL |
| Township / Civil Division | CENTRALIA |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 952400 |
609 Tracy Ter is owned and occupied by two individuals who bought it in May 2021.
Source: Marion County records, as of July 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 609 TRACY TER, CENTRALIA, IL 62801-4477 |
| 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 28, 2023 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Feb 17, 2022 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA |
| May 28, 2021 | Deed, Transfer QUAD CITY TITLE, QUAD COUNTY TITLE |
| Dec 14, 2020 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 28, 2021 · Amount on File |
| Deed Sale | May 28, 2021 · Amount on File |
| Deed Document Number | 20212589 |
| Prior Transfer Date | Oct 10, 2020 |
| Prior Transfer Doc | 2020R05977 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARION IL |
| Property Address | 609 TRACY TER, CENTRALIA, IL 62801-4477 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2024 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 609 TRACY TER, CENTRALIA, IL 62801-4477 |
| Document Number | 2023R05118 |
|---|---|
| Date | Dec 28, 2023 |
| Instrument | 2023R05118 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 15, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 10.3% |
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARION IL |
| Property Address | 609 TRACY TER, CENTRALIA, IL 62801-4477 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2022 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 2022R00750 |
|---|---|
| Date | Feb 17, 2022 |
| Instrument | 2022R00750 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 10, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | MARION IL |
| Recording Date | May 28, 2021 |
| Property Address | 609 TRACY TER, CENTRALIA, IL 62801-4477 |
| Document Number | 2021R02589 |
| Instrument Date | May 27, 2021 |
| Instrument | 2021R02589 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2021 |
| Title Company | QUAD CITY TITLE, QUAD COUNTY TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $232.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 609 TRACY TER, CENTRALIA, IL 62801-4477 |
| Investor | Possibly a Property Investor |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MARION IL |
| Recording Date | Dec 14, 2020 |
| Property Address | 609 TRACY TER, CENTRALIA, IL 62801-4477 |
| Document Number | 2020R05977 |
| Instrument Date | Oct 10, 2020 |
| Instrument | 2020R05977 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 609 TRACY TER, CENTRALIA, IL 62801-4477 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 609 Tracy Ter was $6,600 with a homeowner's exemption, up 3.3% from the year before.
Source: Marion County assessment roll, as of July 16, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Marion County |
| County Subdivision | Centralia Township |
| Municipality | Centralia City |
| Elementary School District | Centralia School District 135 (PK - 08) |
| Secondary School District | Centralia High School District 200 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,600.00 (+3.33%) Homeowner's exemption | $98,610 (+12.01%) Land $7,540 Building $91,070 | $295,830 (+12.01%) Land $22,620 Building $273,210 |
| 2024 | $6,387.00 | $88,040 Land $6,730 Building $81,310 | $264,120 Land $20,190 Building $243,930 |
| 2022 | $5,611.00 Homeowner's exemption | $66,600 Land $7,070 Building $59,530 | $199,800 Land $21,210 Building $178,590 |
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 609 Tracy Ter in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 16, 2011
| 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 609 Tracy Ter 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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CENTRALIA serves 12,182 people · EPA ID IL1214220 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2025 |
| Lead | 3 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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.
Source: FCC Broadband Data Collection, based on 453 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 |
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