651 W Eldorado St, Decatur, IL 62522 Property Records

Macon County property record for 651 W Eldorado St, Decatur, IL 62522

Property Summary

Property Type	Commercial
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Tax Bill	$2,784 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Sep 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-12-15-131-016`

Property Details

APN / Parcel Number

Primary APN	`04-12-15-131-016`
Alternative APN	`12-15-131-016`

Exterior

Lot Area	8,712 sqft (0.2 acres)

Location & Zoning

Account Number	041215131016
Street Address	651 W ELDORADO ST
City	DECATUR
State	IL
Zip	62522-2118
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	MUNICIPAL
Legal Description	L 0005/6 B 01 YATES & KINGS ADD48 10 N & ADJ & N 13 2 EXC ST ROW IRREG
Legal Subdivision	YATES & KINGS ADD
Jurisdiction	MACON IL
Township / Civil Division	DECATUR
Census Block Group	1
Census Block	1008
Census Tract	502

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Decatur Historic District listed 1976 · 669 contributing resources · NRIS 76000719

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

651 W Eldorado St, a commercial property, is owned by an individual.

Source: Macon County records, as of June 5, 2026

Owner of Record	Individual Name on File
Mailing Address	254 N PARK PL, DECATUR, IL 62522-1952
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage TOWN & COUNTRY BANK
Sep 20, 2019	Deed, Transfer
Jun 29, 2017	Trustee's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MACON IL
Property Address	651 W ELDORADO ST, DECATUR, IL 62522-2118
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004646/830
Date	Oct 11, 2018
Book Page	4646/830
Instrument	1938739

Lender

Name	TOWN & COUNTRY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Oct 21, 2019

Interest

Rate Type	Fixed Rate

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MACON IL
Recording Date	Sep 20, 2019
Property Address	651 W ELDORADO ST, DECATUR, IL 62522-2118
Document Number	004698/626
Book / Page	4698 / 626
Map Reference	PB Q PG 351
Instrument Date	Sep 19, 2019
Instrument	1951457
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Amount	Amount on Record
Tax	$93.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	254 N PARK PL, DECATUR, IL 62522-1952

June 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MACON IL
Recording Date	Jun 29, 2017
Property Address	651 W ELDORADO ST, DECATUR, IL 62522-2118
Document Number	004570/339
Book / Page	4570 / 339
Map Reference	MB Q PG 351
Instrument Date	Jun 26, 2017
Instrument	1920846
Transaction Type	Foreclosure
Record Updated	Jun 13, 2023

Transaction

Amount	Amount on Record
Tax	$105.00
Amount Accuracy	Rounded by County
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1732, DECATUR, IL 62525-1732

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1732, DECATUR, IL 62525-1732
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 651 W Eldorado St was $2,784.

Source: Macon County assessment roll, as of June 5, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Macon County
County Subdivision	Decatur Township
Municipality	Decatur City
Unified School District	Decatur School District 61 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,784.00	$29,836 Land $9,896 Building $19,940	$89,517 Land $29,691 Building $59,826

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 maps place 651 W Eldorado St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 28, 2024

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

The area around 651 W Eldorado St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	DECATUR serves 76,122 people · EPA ID IL1150150
Water Source	Surface water
Last State Inspection	Dec 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 251 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Fidium Fiber.

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