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

Ogle County property record for 104 N Elm St, Davis Junction, IL 61020

Property Summary

Property Type	Single Family Home
Lot Size	0.275 acres (12,002 sqft)
Owner	2 Individual Names on File
Last Sale	$170,000 (Dec 2025)
Tax Bill	$3,055 (2025)
Deeds & Mortgages	Jul 2024 Line of Credit Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-22-278-004`

Property Details

APN / Parcel Number

Primary APN	`11-22-278-004`

Exterior

Lot Area	12,002 sqft (0.275 acres)
Lot Dimensions	150 ft deep x 78.5 ft wide

Location & Zoning

Street Address	104 N ELM ST
City	DAVIS JUNCTION
State	IL
Zip	61020-9300
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RNG/BLK: TWP:0 SECT/LOT: LOTS 10 THRU 12 EX S86 BLK 12 ALSO S 9? OF ALLEY LYG N OF AND ADJ LTS 10,11,12 DAVIS ADD VILLAGE OF DAVIS JUNCTION VAC 201504059
Legal Subdivision	DAVIS ADD
Legal Block	12
Legal Lot Number	10-12
Jurisdiction	OGLE IL
Township / Civil Division	SCOTT
Census Block Group	2
Census Block	2032
Census Tract	961002

Owner

104 N Elm St is owned and occupied by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	104 N ELM ST, DAVIS JUNCTION, IL 61020-9300
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jul 3, 2024	Deed of Trust, Mortgage · Line of Credit HOLCOMB STATE BANK
Dec 17, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2025 · Amount on File
Deed Sale	Dec 17, 2025 · Amount on File
Deed Document Number	20256590
Record Updated	Sep 20, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OGLE IL
Property Address	104 N ELM ST, DAVIS JUNCTION, IL 61020-9300
Transaction Type	Mortgage
Record Updated	Apr 28, 2026
Title Company	KO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002833
Date	Jul 3, 2024
Instrument	202402833

Lender

Name	HOLCOMB STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2044

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OGLE IL
Recording Date	Dec 17, 2025
Property Address	104 N ELM ST, DAVIS JUNCTION, IL 61020-9300
Document Number	0000006590
Map Reference	PF A PG 171
Instrument Date	Dec 5, 2025
Instrument	202506590
Transaction Type	Transfer
Record Updated	Apr 28, 2026
Title Company	KO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
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	104 N ELM ST, DAVIS JUNCTION, IL 61020-9300

Mortgage

Document Number	0000006591
Date	Dec 17, 2025
Instrument	202506591

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.5%

Tax Assessment & Valuation

The 2025 property tax bill for 104 N Elm St was $3,055, up 7.9% from the year before.

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	$3,055.00 (+7.91%)	$43,677 (+10.72%) Land $10,364 Building $33,313	$131,031 (+10.72%) Land $31,092 Building $99,939
2024	$2,831.00	$39,449 (+8.11%) Land $9,361 Building $30,088	$118,347 (+8.11%) Land $28,083 Building $90,264
2023		$36,490 Land $8,659 Building $27,831	$109,470 Land $25,977 Building $83,493
2022	$2,306.00

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 104 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 104 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

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