85 Downing Dr, Chatham, IL 62629 Property Records

Sangamon County property record for 85 Downing Dr, Chatham, IL 62629

Property Summary

Property Type	Single Family Home
Lot Size	0.224 acres (9,785 sqft)
Owner	Individual Name on File
Last Sale	$148,000 (Jun 2022)
Tax Bill	$3,041 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`28-12.0-380-031`

Property Details

APN / Parcel Number

Primary APN	`28-12.0-380-031`
Alternative APN	`28120380031 (CHECK DIGIT = 1)`

Exterior

Lot Area	9,785 sqft (0.224 acres)

Location & Zoning

Account Number	28120380031
Street Address	85 DOWNING DR
City	CHATHAM
State	IL
Zip	62629-1259
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S75' N160.26' L 14 BUCKINGHAM PLACE 2ND ADDN 12-14-6
Legal Subdivision	BUCKINGHAM PLACE 2ND ADD
Jurisdiction	SANGAMON IL
Township / Civil Division	CHATHAM
Census Block Group	3
Census Block	3034
Census Tract	3202

Owner

85 Downing Dr is owned and occupied by an individual who bought it in June 2022.

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	Individual Name on File
Mailing Address	85 DOWNING DR, CHATHAM, IL 62629-1259
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 10, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Oct 20, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2022 · Amount on File
Deed Sale	Jun 10, 2022 · Amount on File
Prior Sale	Mar 22, 2000
Deed Document Number	202212734
Prior Transfer Date	Oct 7, 2020
Prior Transfer Doc	2020R29510
Record Updated	Sep 20, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SANGAMON IL
Recording Date	Jun 10, 2022
Property Address	85 DOWNING DR, CHATHAM, IL 62629-1259
Document Number	2022R12734
Instrument Date	Jun 3, 2022
Instrument	2022R12734
Transaction Type	Transfer
Record Updated	Jun 29, 2022
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$222.00
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	Tenants by the Entirety
Address	85 DOWNING DR, CHATHAM, IL 62629-1259

Mortgage

Document Number	2022R12735
Date	Jun 10, 2022
Instrument	2022R12735

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	4.75%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANGAMON IL
Property Address	85 DOWNING DR, CHATHAM, IL 62629-1259
Transaction Type	Mortgage
Record Updated	Jun 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022R10108
Date	May 10, 2022
Instrument	2022R10108

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANGAMON IL
Recording Date	Oct 20, 2020
Property Address	85 DOWNING DR, CHATHAM, IL 62629-1259
Document Number	2020R29510
Instrument Date	Oct 7, 2020
Instrument	2020R29510
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	85 DOWNING DR, CHATHAM, IL 62629-1259

Mortgage

Document Number	2020R29511
Date	Oct 20, 2020
Instrument	2020R29511

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	2.65%

Tax Assessment & Valuation

The 2025 property tax bill for 85 Downing Dr was $3,041 with a homeowner's exemption, up 12.8% 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	$3,041.00 (+12.75%) Homeowner's exemption	$48,024 (+10.12%) Land $3,301 Building $44,723	$144,072 (+10.12%) Land $9,903 Building $134,169
2024	$2,697.00	$43,611 Land $2,998 Building $40,613	$130,833 Land $8,994 Building $121,839
2022	$2,506.00 Homeowner's exemption	$38,654 Land $2,657 Building $35,997	$115,962 Land $7,971 Building $107,991

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 85 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 85 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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