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Single Family ResidentialResidential
$104,724
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 84How 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 $77,000 on Nov 15, 2022

45 W MILL ST

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

Valuation

$105K
$88K low$121K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$77,000 · Nov 15, 2022
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.$7,424
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$5,939
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.98%
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.$69,300
BUENA VISTA NATIONAL BANK · 6.75% 2 · recorded Nov 15, 2022
2nd 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.$28,000
BUENA VISTA NATIONAL BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,141 (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.$28,605 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,520
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$26,085
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$26,845
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$85,815

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.51
55
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
20
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
89
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
71
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
24
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.14 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.minimal

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.0.27
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

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

45 W Mill 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 less than 92% of homes in Red Bud 62278
  • Has a smaller lot than 66% of homes in Red Bud 62278

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
$68K$531K

This home is worth more than 8% 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$104,724
CheaperTypical $232,390Pricier

Pricier than 8% of homes nearby

Lot size0.27 ac
SmallerTypical 0.43 acBigger

Bigger than 34% of homes nearby

How 45 W Mill St ranks against every home in each area.
MeasureThis homeRed Bud 62278Randolph County
Estimated valuepricier than$104,7248% of homes45% of homes
Lot sizebigger than0.27 ac34% of homes41% of homes

About 45 W Mill St

How much is 45 W Mill St, Ruma, IL worth?

The TopHap Estimate for 45 W Mill St, Ruma, IL is $104,724 as of Jul 14, 2026. The likely range is $87,975 to $121,473. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 45 W Mill St, Ruma, IL last sell?

45 W Mill St, Ruma, IL last sold on Nov 15, 2022 for $77,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

What schools serve 45 W Mill St, Ruma, IL?

45 W Mill 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 45 W Mill 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 8% of them ($104,724 against a typical $232,390) and its lot is bigger than 34% of them (0.27 ac against a typical 0.43 ac). Measured against all of Randolph County, it is worth more than 45% 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 45 W Mill St, Ruma, IL?

The 2024 property tax bill for 45 W Mill St, Ruma, IL was $1,141. The county assessed it at $28,605.

Closest homes

More homes in Ruma 62278

Assigned schools

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