103 E 2nd St, Pontiac, IL 61764 Property Records

Livingston County property record for 103 E 2nd St, Pontiac, IL 61764

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,312 sqft · built 1925
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on Record
Last Sale	$74,500 (Jan 2016)
Tax Bill	$1,620 (2025)
Deeds & Mortgages	Nov 2023 Transfer Jun 2017 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`15-15-27-228-004`

Property Details

APN / Parcel Number

Primary APN	`15-15-27-228-004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,312 sqft Living Area
Basement Area	1,312 sqft
Unfinished Basement	1,312 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Roof Material	Asphalt
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	360 sqft

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Street Address	103 E 2ND ST
City	PONTIAC
State	IL
Zip	61764-2546
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15-27-228-004 LOT 50 X 120 E50' LOTS 5 & 6 BLK 3 RICKETT'S SUB BLK 3 MOTT & COLLINS ADD
Legal Subdivision	RICKETT'S SUB
Legal Block	3
Legal Lot Number	5,6
Jurisdiction	LIVINGSTON IL
Township / Civil Division	PONTIAC
Census Block Group	3
Census Block	3041
Census Tract	960700

Owner

Source: Livingston County records, as of June 30, 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	103 E 2ND ST, PONTIAC, IL 61764-2546
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2023	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 16, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF PONTIAC
Jan 29, 2016	Warranty Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2016 · Amount on Record
Deed Sale	Jan 29, 2016 · Amount on Record
Deed Document Number	2016373
Last Transfer Date	Oct 18, 2023
Transfer Doc	2023R04075
Record Updated	Sep 20, 2026

November 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Nov 9, 2023
Property Address	103 E 2ND ST, PONTIAC, IL 61764-2546
Document Number	2023R04075
Instrument Date	Oct 18, 2023
Instrument	2023R-04075
Transaction Type	Transfer
Record Updated	Nov 29, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON IL
Property Address	103 E 2ND ST, PONTIAC, IL 61764-2546
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017R02308
Date	Jun 16, 2017
Instrument	2017R-02308

Lender

Name	BANK OF PONTIAC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2047

Interest

Rate Type	Fixed Rate

January 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Jan 29, 2016
Property Address	103 E 2ND ST, PONTIAC, IL 61764-2546
Document Number	2016R00373
Instrument Date	Nov 17, 2015
Instrument	2016R-00373
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PONTIAC, IL 61764

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PONTIAC, IL 61764
Investor	Possibly a Property Investor

Mortgage

Document Number	2016R00374
Date	Jan 29, 2016
Instrument	2016R-00374

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63166

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	456 Months
Due	Jan 28, 2054

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	$1,620.00 (-28.95%)	$33,523 (+16.89%) Land $4,383 Building $29,140	$100,569 (+16.89%) Land $13,149 Building $87,420
2022	$2,280.00 Homeowner's exemption	$28,680 Land $3,606 Building $25,074	$86,040 Land $10,818 Building $75,222

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 July 14, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	6 (1982–2008)
Most Recent Claim	Jan 2008 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jan 2008 · 5 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	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	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 289 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	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink.

Nearby Properties on E 2nd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures