Mercer County property record for 646 105th St, Joy, IL 61260
| Property Type | Rural Home |
|---|---|
| Lot Size | 84.5 acres (3,684,305 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $8,021 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 090931100009 |
| Primary APN | 090931100009 |
|---|
| Lot Area | 3,684,305 sqft (84.5 acres) |
|---|
| Street Address | 646 105TH ST |
|---|---|
| City | JOY |
| State | IL |
| Zip | 61260-8570 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | S31 T14N R4W SW NW & N1/2 SW LESS NE NE SW AND FURTHER EXCEPTING TRACT II PT NE1/4 SW1/4 AS DESC SURVEY 398745 |
| Legal Range | 04W |
| Legal Township | 14N |
| Legal Section | 31 |
| Legal Tract | 2 |
| Jurisdiction | MERCER IL |
| Township / Civil Division | MILLERSBURG |
| Census Block Group | 4 |
| Census Block | 4054 |
| Census Tract | 40200 |
646 105th St, a rural home, is owned and occupied by an individual.
Source: Mercer County records, as of July 10, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 646 105TH ST, JOY, IL 61260-8570 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 646 105th St was $8,021.
Source: Mercer County assessment roll, as of July 10, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Mercer County |
| County Subdivision | Millersburg Township |
| Unified School District | Mercer County School District 404 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,021.00 | $104,401 Land $13,440 Building $90,961 | |
| 2022 | $5,343.00 | $74,141 Land $9,725 Building $64,416 | $222,423 Land $29,175 Building $193,248 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 646 105th St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 19, 2010
| 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 646 105th St is low, with a 0.04% 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 | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
4G LTE (outdoors only), no 5G reported
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