81 Downing Dr, Chatham, IL 62629 Property Records

Sangamon County property record for 81 Downing Dr, Chatham, IL 62629

Property Summary

Property Type	Single Family Home
Lot Size	0.21 acres (9,185 sqft)
Owner	Individual Name on File
Last Sale	$100,000 (Mar 2020)
Tax Bill	$2,840 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-12.0-380-015`

Property Details

APN / Parcel Number

Primary APN	`28-12.0-380-015`
Alternative APN	`28120380015 (CHECK DIGIT = 0)`

Exterior

Lot Area	9,185 sqft (0.21 acres)

Location & Zoning

Account Number	28120380015
Street Address	81 DOWNING DR
City	CHATHAM
State	IL
Zip	62629-1259
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BUCKINGHAM PL 2ND ADDN. N 71' S 291' 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

81 Downing Dr is owned and occupied by an individual who bought it in March 2020.

Source: Sangamon County records, as of June 2, 2026

Owner of Record	Individual Name on File
Mailing Address	81 DOWNING DR, CHATHAM, IL 62629-1259
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage MARINE BANK
Sep 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage MARINE BANK
Mar 17, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 17, 2020 · Amount on File
Deed Sale	Mar 17, 2020 · Amount on File
Deed Document Number	20205457
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANGAMON IL
Property Address	81 DOWNING DR, CHATHAM, IL 62629-1259
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R20580
Date	Sep 26, 2019
Instrument	2019R20580

Lender

Name	MARINE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANGAMON IL
Property Address	81 DOWNING DR, CHATHAM, IL 62629-1259
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R20580
Date	Sep 26, 2019
Instrument	2019R20580

Lender

Name	MARINE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANGAMON IL
Recording Date	Mar 17, 2020
Property Address	81 DOWNING DR, CHATHAM, IL 62629-1259
Document Number	2020R05457
Instrument Date	Mar 16, 2020
Instrument	2020R05457
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	CORNERSTONE TITLE-OREM, CORNERSTONE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	401 N YATES ST, 401, TALLULA, IL 62688-9758

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 DOWNING DR, CHATHAM, IL 62629-1259

Mortgage

Document Number	2020R05458
Date	Mar 17, 2020
Instrument	2020R05458

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	2.73%

Tax Assessment & Valuation

The 2025 property tax bill for 81 Downing Dr was $2,840 with a homeowner's exemption.

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	$2,840.00	$45,253 Land $3,154 Building $42,099	$135,759 Land $9,462 Building $126,297
2022	$2,335.00 Homeowner's exemption	$36,424 Land $2,539 Building $33,885	$109,272 Land $7,617 Building $101,655

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 81 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 81 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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