77 Downing Dr, Chatham, IL 62629 Property Records

Sangamon County property record for 77 Downing Dr, Chatham, IL 62629

Property Summary

Property Type	Single Family Home
Lot Size	0.19 acres (8,303 sqft)
Owner	2 Individual Names on File
Last Sale	$170,000 (Apr 2024)
Tax Bill	$3,483 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-12.0-380-016`

Property Details

APN / Parcel Number

Primary APN	`28-12.0-380-016`
Alternative APN	`28120380016 (CHECK DIGIT = 8)`

Exterior

Lot Area	8,303 sqft (0.19 acres)

Location & Zoning

Account Number	28120380016
Street Address	77 DOWNING DR
City	CHATHAM
State	IL
Zip	62629-1259
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BUCKINGHAM PL 2ND ADDN. THE S 64' N 295.26' L 14
Legal Subdivision	BUCKINGHAM PLACE 2ND ADD
Jurisdiction	SANGAMON IL
Township / Civil Division	CHATHAM
Census Block Group	3
Census Block	3034
Census Tract	3202

Owner

77 Downing Dr is owned and occupied by two individuals who acquired it in June 2025.

Source: Sangamon County records, as of June 2, 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	77 DOWNING DR, CHATHAM, IL 62629-1259
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2024	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND CU
Jul 24, 2020	Warranty Deed, Transfer · Conventional Mortgage TOWN & COUNTRY BANC MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2024 · Amount on File
Deed Sale	Apr 8, 2024 · Amount on File
Prior Sale	Aug 18, 2008
Deed Document Number	20245204
Last Transfer Date	Jun 20, 2025
Transfer Doc	2025R10745
Record Updated	Sep 20, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANGAMON IL
Recording Date	Apr 8, 2024
Property Address	77 DOWNING DR, CHATHAM, IL 62629-1259
Document Number	2024R05204
Instrument Date	Apr 4, 2024
Instrument	2024R05204
Transaction Type	Transfer
Record Updated	Apr 24, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
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	77 DOWNING DR, CHATHAM, IL 62629-1259
Investor	Possibly a Property Investor

Mortgage

Document Number	2024R05205
Date	Apr 8, 2024
Instrument	2024R05205

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Fixed Rate
Rate	7.13%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANGAMON IL
Property Address	77 DOWNING DR, CHATHAM, IL 62629-1259
Transaction Type	Mortgage
Record Updated	Sep 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R03939
Date	Feb 26, 2020
Instrument	2020R03939

Lender

Name	HEARTLAND CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 27, 2040

Interest

Rate Type	Fixed Rate

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANGAMON IL
Recording Date	Jul 24, 2020
Property Address	77 DOWNING DR, CHATHAM, IL 62629-1259
Document Number	2020R18782
Instrument Date	Jul 23, 2020
Instrument	2020R18782
Transaction Type	Transfer
Record Updated	Sep 15, 2023
Title Company	PRAIRIE TITLE, PRAIRIE LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	217 CARTWRIGHT DR, SPRINGFIELD, IL 62704-1203

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	77 DOWNING DR, CHATHAM, IL 62629-1259

Mortgage

Document Number	2020R18783
Date	Jul 24, 2020
Instrument	2020R18783

Lender

Name	TOWN & COUNTRY BANC MTG SVCS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 77 Downing Dr was $3,483, up 28.8% from the year before.

Source: Sangamon County assessment roll, as of June 2, 2026

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Chatham Village
County	Sangamon County
County Subdivision	Chatham Township
Unified School District	Ball-Chatham Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,483.00 (+28.81%)	$48,131 (+10.12%) Land $2,795 Building $45,336	$144,393 (+10.12%) Land $8,385 Building $136,008
2024	$2,704.00	$43,708 Land $2,538 Building $41,170	$131,124 Land $7,614 Building $123,510
2022	$2,513.00 Homeowner's exemption	$38,741 Land $2,250 Building $36,491	$116,223 Land $6,750 Building $109,473

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 77 Downing Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 4, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force

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

The area around 77 Downing Dr 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	CHATHAM serves 16,423 people · EPA ID IL1670300
Water Source	Purchased groundwater from several systems
Last State Inspection	May 2025
Lead	Under 1 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 280 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Frontier Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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