1010 E Howard St, Pontiac, IL 61764 Property Records

Livingston County property record for 1010 E Howard St, Pontiac, IL 61764

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,360 sqft · built 1916
Lot Size	0.193 acres (8,424 sqft)
Owner	Individual Name on File
Tax Bill	$2,448 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Feb 2019 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`15-15-23-326-035`

Property Details

APN / Parcel Number

Primary APN	`15-15-23-326-035`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,360 sqft Living Area
Basement Area	1,360 sqft
Unfinished Basement	1,360 sqft

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Exterior Material	Wood
Roof Material	Asphalt
Lot Area	8,424 sqft (0.193 acres)
Lot Dimensions	162 ft deep x 52 ft wide
Garage Type	Detached
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Street Address	1010 E HOWARD ST
City	PONTIAC
State	IL
Zip	61764-1453
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15-23-326-035 LOT 52 X 162 LOTS 2 & N23 LOT 11 BLK 1 D S MYERS 3RD ADD
Legal Block	1
Legal Lot Number	2,11
Jurisdiction	LIVINGSTON IL
Township / Civil Division	PONTIAC
Census Block Group	4
Census Block	4001
Census Tract	960600

Owner

Source: Livingston County records, as of June 30, 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	1010 E HOWARD ST, PONTIAC, IL 61764-1453
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF PONTIAC
Feb 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT COM LLC
May 31, 2018	Warranty Deed, Transfer · Conventional Mortgage STATE BANK OF GRAYMONT
Jul 11, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON IL
Property Address	1010 E HOWARD ST, PONTIAC, IL 61764-1453
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R04856
Date	Sep 30, 2021
Instrument	2021R-04856

Lender

Name	BANK OF PONTIAC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2036

Interest

Rate Type	Fixed Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON IL
Property Address	1010 E HOWARD ST, PONTIAC, IL 61764-1453
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R00402
Date	Feb 6, 2019
Instrument	2019R-00402

Lender

Name	LOANDEPOT COM LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2049

Interest

Rate Type	Fixed Rate

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON IL
Recording Date	May 31, 2018
Property Address	1010 E HOWARD ST, PONTIAC, IL 61764-1453
Document Number	2018R02117
Instrument Date	May 30, 2018
Instrument	2018R-02117
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1010 E HOWARD ST, PONTIAC, IL 61764-1453

Mortgage

Document Number	2018R02118
Date	May 31, 2018
Instrument	2018R-02118

Lender

Name	STATE BANK OF GRAYMONT
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Jul 11, 2017
Property Address	1010 E HOWARD ST, PONTIAC, IL 61764-1453
Document Number	2017R02645
Instrument Date	Jul 10, 2017
Instrument	2017R-02645
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11788 E 2000 NORTH RD, PONTIAC, IL 61764-3226

Tax Assessment & Valuation

Source: Livingston County assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Livingston County
County Subdivision	Pontiac Township
Municipality	Pontiac City
Elementary School District	Pontiac Community Consolidated School District 429 (PK - 08)
Secondary School District	Pontiac Township High School District 90 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,448.00	$33,935 Land $3,306 Building $30,629	$101,805 Land $9,918 Building $91,887

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 14, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 52 policies
Nearby Flood Policies	52 in force
Nearby Flood Claims	140 (1979–2020)
Claims Outside the SFHA	2 of 140
Most Recent Claim	May 2020 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jan 2008 · 76 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 99.1% of the US · lower than 94% 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	IL AMERICAN-PONTIAC private · serves 11,864 people · EPA ID IL1055030
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	2 ppb (2025) action level 15 ppb
Copper	1.36 mg/L (2015–2017) action level 1.3 mg/L

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 451 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pavlov Media Fiber	8,000 / 8,000
Conxxus Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink.

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