1034 E Howard St, Pontiac, IL 61764 Property Records

Livingston County property record for 1034 E Howard St, Pontiac, IL 61764

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,535 sqft · built 2005
Lot Size	0.183 acres (7,992 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Aug 2022)
Tax Bill	$4,416 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jun 2019 Sale
Flood Zone	Zone AE (high risk)
APN	`15-15-23-326-030`

Property Details

APN / Parcel Number

Primary APN	`15-15-23-326-030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,535 sqft Living Area
Basement Area	480 sqft
Unfinished Basement	480 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Split Level
Roof Material	Asphalt
Lot Area	7,992 sqft (0.183 acres)
Lot Dimensions	139 ft deep x 57.5 ft wide
Garage Type	Attached
Garage Area	552 sqft

Location & Zoning

Street Address	1034 E HOWARD ST
City	PONTIAC
State	IL
Zip	61764-1406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15-23-326-030 LOT 57.5 X 139 W57 1/2' OF LOT 11 D S MYERS S/D OF NORTH PART NE SW
Legal Subdivision	S MYERS S/D
Legal Lot Number	11,57
Jurisdiction	LIVINGSTON IL
Township / Civil Division	PONTIAC
Census Block Group	4
Census Block	4001
Census Tract	960600

Owner

1034 E Howard St is owned and occupied by an individual who bought it in August 2022.

Source: Livingston County records, as of June 30, 2026

Owner of Record	Individual Name on File
Mailing Address	1034 E HOWARD ST, PONTIAC, IL 61764-1406
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
Aug 5, 2022	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC
Jun 21, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2022 · Amount on File
Deed Sale	Aug 5, 2022 · Amount on File
Prior Sale	Jun 21, 2019 · Amount on File
Deed Document Number	20223515
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Aug 5, 2022
Property Address	1034 E HOWARD ST, PONTIAC, IL 61764-1406
Document Number	2022R03515
Instrument Date	Jul 29, 2022
Instrument	2022R-03515
Transaction Type	Transfer
Record Updated	Jul 18, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11886 WILSON RD, NEW BUFFALO, MI 49117-9273

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1034 E HOWARD ST, PONTIAC, IL 61764-1406

Mortgage

Document Number	2022R03516
Date	Aug 5, 2022
Instrument	2022R-03516

Lender

Name	CROSSCOUNTRY MORTGAGE INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate	5.62%

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Jun 21, 2019
Property Address	1034 E HOWARD ST, PONTIAC, IL 61764-1406
Document Number	2019R02324
Instrument Date	Jun 20, 2019
Instrument	2019R-02324
Transaction Type	Transfer
Record Updated	Jul 18, 2023

Transaction

Amount	Amount on Record
Tax	$177.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1034 E HOWARD ST, PONTIAC, IL 61764-1406
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1034 E Howard St was $4,416 with a homeowner's exemption.

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	$4,416.00	$56,384 Land $3,363 Building $53,021	$169,152 Land $10,089 Building $159,063
2022	$3,297.00 Homeowner's exemption	$38,785 Land $2,767 Building $36,018	$116,355 Land $8,301 Building $108,054

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 1034 E Howard St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

Wildfire risk around 1034 E Howard St is low, with 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 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	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	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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