103 N Elm St, Davis Junction, IL 61020 Property Records

Ogle County property record for 103 N Elm St, Davis Junction, IL 61020

Property Summary

Property Type	Single Family Home
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$155,000 (Oct 2018)
Tax Bill	$5,181 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-22-279-003`

Property Details

APN / Parcel Number

Primary APN	`11-22-279-003`

Exterior

Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	143 ft deep x 90 ft wide

Location & Zoning

Street Address	103 N ELM ST
City	DAVIS JUNCTION
State	IL
Zip	61020-9451
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RNG/BLK:1 TWP:42 SECT/LOT:22 S 90FT OF N 234FT S OF LINCOLN OF W 143FT E OF ELM ST
Legal Range	01
Legal Township	42
Legal Section	22
Legal Block	1
Legal Lot Number	22
Jurisdiction	OGLE IL
Township / Civil Division	SCOTT
Census Block Group	2
Census Block	2034
Census Tract	961002

Owner

103 N Elm St is owned and occupied by an individual who bought it in October 2018.

Source: Ogle County records, as of May 19, 2026

Owner of Record	Individual Name on File
Mailing Address	103 N ELM ST, DAVIS JUNCTION, IL 61020-9451
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2020	Deed of Trust, Mortgage HOLCOMB BK
Oct 22, 2018	Deed of Trust, Mortgage MIDWEST CMNTY BK
Oct 24, 2018	Warranty Deed, Transfer · Conventional Mortgage MIDWEST COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2018 · Amount on File
Deed Sale	Oct 24, 2018 · Amount on File
Deed Document Number	20185935
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OGLE IL
Property Address	103 N ELM ST, DAVIS JUNCTION, IL 61020-9451
Document Number	0000008246
Instrument Date	Oct 5, 2020
Transaction Type	Mortgage
Record Updated	Nov 13, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 N ELM ST DAVIS JUNCTION IL 610209300, DAVIS JUNCTION, IL 61020-9300

Mortgage

Document Number	0000008246
Date	Oct 26, 2020
Instrument	8246

Lender

Name	HOLCOMB BK
Address	ROCHELLE, IL 61068-0355

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 25, 2050

Interest

Rate	2.62%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OGLE IL
Property Address	103 N ELM ST, DAVIS JUNCTION, IL 61020-9451
Document Number	0000005936
Instrument Date	Oct 22, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 N ELM ST DAVIS JUNCTION IL 610209300, DAVIS JUNCTION, IL 61020-9300
Investor	Possibly a Property Investor

Mortgage

Document Number	0000005936
Date	Oct 24, 2018
Instrument	5936

Lender

Name	MIDWEST CMNTY BK
Type	Bank
Address	ROCKFORD, IL 61114

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2048

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OGLE IL
Recording Date	Oct 24, 2018
Property Address	103 N ELM ST, DAVIS JUNCTION, IL 61020-9451
Document Number	0000005935
Instrument Date	Oct 22, 2018
Instrument	201805935
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$232.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 N ELM ST, DAVIS JUNCTION, IL 61020-9300
Investor	Possibly a Property Investor

Mortgage

Document Number	0000005936
Date	Oct 24, 2018
Instrument	201805936

Lender

Name	MIDWEST COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 103 N Elm St was $5,181.

Source: Ogle County assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Ogle County
County Subdivision	Scott Township
Municipality	Davis Junction Village
Unified School District	Meridian Community Unit School District 223 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,181.00	$69,894 Land $7,403 Building $62,491	$209,682 Land $22,209 Building $187,473
2023		$58,391 Land $6,184 Building $52,207	$175,173 Land $18,552 Building $156,621
2022	$3,991.00

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

FEMA maps place 103 N Elm St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

Source: FEMA National Flood Hazard Layer, effective December 30, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2017 · rainfall accumulation

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

Wildfire risk around 103 N Elm St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 70% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	DAVIS JUNCTION serves 2,344 people · EPA ID IL1410030
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on N Elm St

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