91 W Mill St, Ruma (Red Bud), IL 62278 Property Records

Randolph County property record for 91 W Mill St, Ruma, IL 62278

Property Summary

Property Type	Single Family Home
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on Record
Last Sale	$41,500 (Sep 2012)
Tax Bill	$780 (2025)
Deeds & Mortgages	Mar 2026 Transfer Oct 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13-149-006-00`

Property Details

APN / Parcel Number

Primary APN	`13-149-006-00`

Exterior

Lot Area	44,867 sqft (1.03 acres)

Location & Zoning

Street Address	91 W MILL ST
City	RUMA
State	IL
Zip	62278-2701
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	538/173 626/370 2012R02996 2012R03834 2026R00630 (TOD) PT S1/2 SE 1.03 AC SEC 32 T4 R8 IN RUMA
Legal Range	08
Legal Township	04
Legal Section	32
Jurisdiction	RANDOLPH IL
Township / Civil Division	RUMA
Census Block Group	2
Census Block	2035
Census Tract	950900

Owner

Source: Randolph County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	91 W MILL ST, RUMA, IL 62278-2701
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2026	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY
Oct 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK NA
Mar 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK
Apr 30, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2012 · Amount on Record
Deed Sale	Sep 27, 2012 · Amount on Record
Deed Document Number	20123834
Last Transfer Date	Feb 27, 2026
Transfer Doc	2026R00630
Record Updated	Oct 29, 2026

March 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	RANDOLPH IL
Recording Date	Mar 2, 2026
Property Address	91 W MILL ST, RUMA, IL 62278-2701
Document Number	2026R00630
Instrument Date	Feb 27, 2026
Instrument	2026R00630
Transaction Type	Transfer
Record Updated	Mar 17, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	91 W MILL ST, RUMA, IL 62278-2701

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANDOLPH IL
Property Address	91 W MILL ST, RUMA, IL 62278-2701
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017R03697
Date	Oct 16, 2017
Instrument	2017R03697

Lender

Name	DIETERICH BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 22, 2022

Interest

Rate Type	Fixed Rate

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RANDOLPH IL
Property Address	91 W MILL ST, RUMA, IL 62278-2701
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022R00916
Date	Mar 23, 2022
Instrument	2022R00916

Lender

Name	DIETERICH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 18, 2032

Interest

Rate Type	Fixed Rate

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RANDOLPH IL
Recording Date	Apr 30, 2020
Property Address	91 W MILL ST, RUMA, IL 62278-2701
Document Number	2020R01378
Instrument Date	Apr 29, 2020
Instrument	2020R01378
Transaction Type	Transfer
Record Updated	Aug 5, 2022

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
Address	91 W MILL ST, RUMA, IL 62278-2701

Tax Assessment & Valuation

Source: Randolph County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Randolph County
Municipality	Ruma Village
Unified School District	Red Bud Community Unit School District 132 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$780.00 (+9.55%) Homeowner's exemption	$20,270 (+6.54%) Land $5,305 Building $14,965	$60,810 (+6.54%) Land $15,915 Building $44,895
2024	$712.00 (+15.02%) Homeowner's exemption	$19,025 (+14.54%) Land $4,980 Building $14,045	$57,075 (+14.54%) Land $14,940 Building $42,135
2022	$619.00 Homeowner's exemption	$16,610 Land $4,350 Building $12,260	$49,830 Land $13,050 Building $36,780

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

Source: FEMA National Flood Hazard Layer, effective August 18, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (1993)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Aug 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Aug 1993 · 3 claims

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

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

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	PRAIRIE DU ROCHER serves 759 people · EPA ID IL1570400
Water Source	Purchased groundwater from RUMA
Last State Inspection	Oct 2024
Lead	7 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Harrisonville Telephone Company DSL	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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