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Single Family ResidentialResidential
$281,112
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $266,000 on Sep 19, 2025

21 W 2ND ST

RUMA, IL 62278
0
Baths
0.85 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$281K
$262K low$300K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$266,000 · Sep 19, 2025
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$23,092
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$18,474
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.92%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$258,020
NEW AMERICAN FUNDING · 6.37% 2 · recorded Sep 19, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,485 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$74,430 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$3,320
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$71,110
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$69,675
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$223,290

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.131 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residential
CountyRANDOLPH
Lot (acres)The size of the land the home sits on, from county records.0.85
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(5)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Red Bud Elementary SchoolC
Elementary · Grades PK–8 · 4.6 mi
H
Red Bud High SchoolA+
High · Grades 9–12 · 4.8 mi

District: Red Bud Community Unit School District 132

Neighborhood · ZIP 62278These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.117
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.83
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.180

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.13%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.3.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.6,383
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.63 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$77,732
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$92,030
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.41 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

21 W 2nd St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 91% of homes in Randolph County
  • Has a bigger lot than 78% of homes in Randolph County

What homes are worth in Red Bud 62278

Each bar is how many homes fall in that price range. The marker is this home.

This home
$63K$512K

This home is worth more than 66% of homes in Red Bud 62278.

How it measures up in Red Bud 62278

The dot is this home. The mark in the middle is the typical home in Red Bud 62278.

Estimated value$281,112
CheaperTypical $232,390Pricier

Pricier than 66% of homes nearby

Lot size0.85 ac
SmallerTypical 0.43 acBigger

Bigger than 61% of homes nearby

How 21 W 2nd St ranks against every home in each area.
MeasureThis homeRed Bud 62278Randolph County
Estimated valuepricier than$281,11266% of homes91% of homes
Lot sizebigger than0.85 ac61% of homes78% of homes

About 21 W 2nd St

How much is 21 W 2nd St, Ruma, IL worth?

The TopHap Estimate for 21 W 2nd St, Ruma, IL is $281,112 as of Jul 14, 2026. The likely range is $261,744 to $300,480. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 21 W 2nd St, Ruma, IL last sell?

21 W 2nd St, Ruma, IL last sold on Sep 19, 2025 for $266,000, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

What schools serve 21 W 2nd St, Ruma, IL?

21 W 2nd St, Ruma, IL is assigned to Red Bud Elementary School (elementary), rated C; Red Bud High School (high), rated A+. All sit in Red Bud Community Unit School District 132. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 21 W 2nd St, Ruma, IL compare to other homes in Red Bud 62278?

Among the 2,395 homes in Red Bud 62278, it is worth more than 66% of them ($281,112 against a typical $232,390) and its lot is bigger than 61% of them (0.85 ac against a typical 0.43 ac). Measured against all of Randolph County, it is worth more than 91% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 21 W 2nd St, Ruma, IL?

The 2024 property tax bill for 21 W 2nd St, Ruma, IL was $3,485. The county assessed it at $74,430.

Closest homes

More homes in Ruma 62278

Assigned schools

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