638 Eccles St, Hillsboro, IL 62049 Property Records

Montgomery County property record for 638 Eccles St, Hillsboro, IL 62049

Property Summary

Property Type	Single Family Home
Details	796 sqft · built 1920
Lot Size	0.153 acres (6,679 sqft)
Owner	Company Name on Record
Last Sale	$67,000 (Nov 2025)
Tax Bill	$1,315 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Oct 2022 Mortgage + 2 more
APN	`16-12-177-016`

Property Details

APN / Parcel Number

Primary APN	`16-12-177-016`
Alternative APN	`08-201-941-00`

Interior

Building Area	796 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	6,679 sqft (0.153 acres)

Location & Zoning

Street Address	638 ECCLES ST
City	HILLSBORO
State	IL
Zip	62049-1914
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BAL LOTS 27 & 28 HILLSBORO HEIGHTS ADD 8-4-1941 S T00 R
Legal Subdivision	HILLSBORO HEIGHTS ADD
Legal Lot Number	27,28
Jurisdiction	MONTGOMERY IL
Township / Civil Division	HILLSBORO
Census Block Group	4
Census Block	4039
Census Tract	957900

Owner

Source: Montgomery County records, as of July 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	548 S MAIN ST, HILLSBORO, IL 62049-1436
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2025	Warranty Deed, Transfer · Commercial Mortgage FIRST COMMUNITY BANK HILLSBORO
Oct 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
Apr 1, 2022	Warranty Deed, Transfer NOT AVAILABLE, SPEARS TITLE
Apr 1, 2022	Warranty Deed, Transfer NOT AVAILABLE, SPEARS TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2025 · Amount on Record
Deed Sale	Nov 19, 2025 · Amount on Record
Prior Sale	Apr 1, 2022 · Amount on Record
Deed Document Number	20253476
Record Updated	Sep 20, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IL
Recording Date	Nov 19, 2025
Property Address	638 ECCLES ST, HILLSBORO, IL 62049-1914
Document Number	0202503476
Instrument Date	Nov 15, 2025
Instrument	202503476
Transaction Type	Transfer
Record Updated	Dec 10, 2025
Title Company	UNKNOWN, SPEARS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$100.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	548 S MAIN ST, HILLSBORO, IL 62049-1436

Mortgage

Document Number	0202503477
Date	Nov 19, 2025
Instrument	202503477

Lender

Name	FIRST COMMUNITY BANK HILLSBORO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	144 Months
Due	Nov 15, 2037

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY IL
Property Address	638 ECCLES ST, HILLSBORO, IL 62049-1914
Transaction Type	Mortgage
Record Updated	Oct 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001789/77
Date	Oct 6, 2022
Book Page	1789/77
Instrument	202203191

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2020
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.75%
Index	1-Year CMT
Max Rate	10%

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IL
Recording Date	Apr 1, 2022
Property Address	638 ECCLES ST, HILLSBORO, IL 62049-1914
Document Number	001776/534
Book / Page	1776 / 534
Instrument Date	Apr 1, 2022
Instrument	202201036
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	NOT AVAILABLE, SPEARS TITLE

Transaction

Amount	Amount Recorded
Tax	$78.00
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	7071 BLACK HORSE DR, O FALLON, MO 63368-6207

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IL
Recording Date	Apr 1, 2022
Property Address	638 ECCLES ST, HILLSBORO, IL 62049-1914
Document Number	001776/520
Book / Page	1776 / 520
Instrument Date	Mar 30, 2022
Instrument	202201034
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	NOT AVAILABLE, SPEARS TITLE

Transaction

Amount	Amount Recorded
Tax	$72.00
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	548 S MAIN ST, HILLSBORO, IL 62049-1436

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of July 21, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Montgomery County
County Subdivision	Hillsboro Township
Municipality	Hillsboro City
Unified School District	Hillsboro Community Unit School District 3 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,315.00 (+5.03%) Homeowner's exemption	$22,500 (+6.94%) Land $2,770 Building $19,730	$67,500 (+6.94%) Land $8,310 Building $59,190
2024	$1,252.00 Homeowner's exemption	$21,040 Land $2,590 Building $18,450	$63,120 Land $7,770 Building $55,350

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

FEMA Flood Zone	Not on file
Nearby Flood Claims	1 (2010)
Most Recent Claim	Jul 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	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	HILLSBORO serves 4,402 people · EPA ID IL1350300
Water Source	Surface water
Last State Inspection	May 2024
Also Mapped Here	EJ WATER COOPERATIVE
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jan 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 155 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Computer Techniques Fiber	1,000 / 1,000
Sparklight Cable	1,000 / 50
Nextlink Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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