Iroquois County property record for 104 W Cottage St, Sheldon, IL 60966
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.271 acres (11,817 sqft) |
| Owner | Individual Name on File |
| Last Sale | $235,000 (Apr 2026) |
| Tax Bill | $12 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Line of Credit Feb 2024 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27 02 152 013 |
| Primary APN | 27 02 152 013 |
|---|
| Lot Area | 11,817 sqft (0.271 acres) |
|---|
| Street Address | 104 W COTTAGE ST |
|---|---|
| City | SHELDON |
| State | IL |
| Zip | 60966-8312 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CARROLLS AD PT LTS 2 & 3 BLK 3 |
| Legal Subdivision | CARROLL'S ADDITION TO SHELDON |
| Legal Block | 3 |
| Legal Lot Number | 2,3 |
| Jurisdiction | IROQUOIS IL |
| Township / Civil Division | SHELDON |
| Census Block Group | 3 |
| Census Block | 3055 |
| Census Tract | 950500 |
104 W Cottage St is owned and occupied by an individual who bought it in April 2026.
Source: Iroquois County records, as of July 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 104 W COTTAGE ST, SHELDON, IL 60966-8312 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 14, 2026 | Warranty Deed, Transfer · Line of Credit RESICENTRAL LLC |
| Feb 21, 2024 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Mar 7, 2018 | Deed of Trust, Mortgage · Conventional Mortgage THE FIRST TRUST & SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 14, 2026 · Amount on File |
| Deed Sale | Apr 14, 2026 · Amount on File |
| Prior Sale | Sep 19, 2014 · Amount on File |
| Deed Document Number | 20261221 |
| Prior Transfer Date | Sep 28, 2024 |
| Prior Transfer Doc | 0000003120 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | IROQUOIS IL |
| Recording Date | Apr 14, 2026 |
| Property Address | 104 W COTTAGE ST, SHELDON, IL 60966-8312 |
| Document Number | 0000001221 |
| Instrument Date | Mar 31, 2026 |
| Instrument | 2026.1221 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2026 |
| Title Company | OLD REPUBLIC TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $35,602.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 104 W COTTAGE ST, SHELDON, IL 60966-8312 |
| Investor | Possibly a Property Investor |
| Document Number | 0000001222, |
|---|---|
| Date | Apr 14, 2026 |
| Instrument | 2026.1222 |
| Name | RESICENTRAL LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | May 1, 2051 |
| Rate | 6.13% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | IROQUOIS IL |
| Recording Date | Feb 21, 2024 |
| Property Address | 104 W COTTAGE ST, SHELDON, IL 60966-8312 |
| Document Number | 00024R0492 |
| Instrument Date | Feb 14, 2023 |
| Instrument | 24R0492 |
| Transaction Type | Transfer |
| Record Updated | Mar 11, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 104 W COTTAGE ST, SHELDON, IL 60966-8312 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IROQUOIS IL |
| Property Address | 104 W COTTAGE ST, SHELDON, IL 60966-8312 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2018 |
| Name | Verified Name |
|---|
| Document Number | 18R0643 |
|---|---|
| Date | Mar 7, 2018 |
| Instrument | 18R0643 |
| Name | THE FIRST TRUST & SAVINGS BANK |
|---|---|
| Type | Non-Lending Institution |
| Address | WATSEKA, IL 60970 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 1, 2028 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 104 W Cottage St was $12 with exemptions applied.
Source: Iroquois County assessment roll, as of July 17, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Iroquois County |
| County Subdivision | Sheldon Township |
| Municipality | Sheldon Village |
| Unified School District | Milford Area Public School District 124 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12.00 Disabled Person's exemption Veteran's exemption | $67,290 (+9.01%) Land $2,540 Building $64,750 | $201,870 (+9.01%) Land $7,620 Building $194,250 |
| 2024 | $12.00 | $61,730 Land $2,330 Building $59,400 | $185,190 Land $6,990 Building $178,200 |
| 2022 | $4,408.00 Homeowner's exemption | $53,190 Land $2,010 Building $51,180 | $159,570 Land $6,030 Building $153,540 |
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.
FEMA maps place 104 W Cottage St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 16, 2011
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 104 W Cottage 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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SHELDON serves 900 people · EPA ID IL0750800 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2026 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 5 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.
Source: FCC Broadband Data Collection, based on 113 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conxxus Fiber | 8,000 / 8,000 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Watch TV Fixed Wireless | 100 / 20 |
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