642 Eccles St, Hillsboro, IL 62049 Property Records

Montgomery County property record for 642 Eccles St, Hillsboro, IL 62049

Property Summary

Property Type	Single Family Home
Details	864 sqft · built 1945
Lot Size	0.121 acres (5,283 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Apr 2026)
Tax Bill	$2,539 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Mar 2020 Sale & Mortgage
APN	`16-12-177-017`

Property Details

APN / Parcel Number

Primary APN	`16-12-177-017`
Alternative APN	`08-201-940-00`

Interior

Building Area	864 sqft Total Area

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Lot Area	5,283 sqft (0.121 acres)

Location & Zoning

Street Address	642 ECCLES ST
City	HILLSBORO
State	IL
Zip	62049-1914
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 53 FT LOTS 27 & 28 HILLSBORO HEIGHTS ADD 8-4-1940 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

642 Eccles St is owned and occupied by two individuals who bought it in April 2026.

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	2 Individual Names on File
Mailing Address	642 ECCLES ST, HILLSBORO, IL 62049-1914
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Warranty Deed, Transfer · Conventional Mortgage SCOTT CREDIT UNION
Mar 2, 2020	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2026 · Amount on File
Deed Sale	Apr 24, 2026 · Amount on File
Prior Sale	Mar 2, 2020 · Amount on File
Deed Document Number	20261214
Prior Transfer Date	Apr 23, 2026
Prior Transfer Doc	0202601214
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IL
Recording Date	Apr 24, 2026
Property Address	642 ECCLES ST, HILLSBORO, IL 62049-1914
Document Number	0202601214
Instrument Date	Apr 23, 2026
Instrument	20261214
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	SPEARS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$22,725.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	642 ECCLES ST, HILLSBORO, IL 62049-1914

Mortgage

Date	Apr 24, 2026

Lender

Name	SCOTT CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY IL
Recording Date	Mar 2, 2020
Property Address	642 ECCLES ST, HILLSBORO, IL 62049-1914
Document Number	1716/432
Book / Page	1716 / 432
Instrument Date	Feb 28, 2020
Instrument	202000755
Transaction Type	Transfer
Record Updated	Jul 26, 2021
Title Company	COMMUNITY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$129.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	642 ECCLES ST, HILLSBORO, IL 62049-1914

Mortgage

Document Number	202000756
Date	Mar 2, 2020
Instrument	202000756

Lender

Name	MORTGAGE RESEARCH CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	3.63%

Tax Assessment & Valuation

The 2025 property tax bill for 642 Eccles St was $2,539 with a homeowner's exemption, up 3.7% from the year before.

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	$2,539.00 (+3.72%) Homeowner's exemption	$37,850 (+6.95%) Land $3,050 Building $34,800	$113,550 (+6.95%) Land $9,150 Building $104,400
2024	$2,448.00	$35,390 Land $2,850 Building $32,540	$106,170 Land $8,550 Building $97,620

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

FEMA has no flood map on file for 642 Eccles St; there have been 1 flood claim nearby since 2010.

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

Wildfire risk around 642 Eccles St is low, with 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 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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