1044 E Howard St, Pontiac, IL 61764 Property Records

Livingston County property record for 1044 E Howard St, Pontiac, IL 61764

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,022 sqft · built 1928
Lot Size	0.824 acres (35,880 sqft)
Owner	Individual Name on File
Last Sale	$50,000 (Aug 2019)
Tax Bill	$2,153 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage May 2019 Foreclosure
Flood Zone	Zone AE (high risk)
APN	`15-15-23-326-023`

Property Details

APN / Parcel Number

Primary APN	`15-15-23-326-023`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,022 sqft Living Area
Basement Area	793 sqft
Unfinished Basement	793 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Exterior Material	Wood
Roof Material	Asphalt
Lot Area	35,880 sqft (0.824 acres)
Lot Dimensions	312 ft deep x 115 ft wide
Garage Type	Detached
Garage Area	720 sqft

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Street Address	1044 E HOWARD ST
City	PONTIAC
State	IL
Zip	61764-1406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15-23-326-023 S23 T28 R5 LOT 115 X 312 LOTS 4, 5, 18 & 19 & A 15' STRIP ADJ THE SOUTH LINE OF LOTS 18 & 19 D S MYER'S S/D N P
Legal Range	05E
Legal Township	28N
Legal Section	23
Legal Subdivision	S MYER'S S/D
Legal Lot Number	4,5,18
Jurisdiction	LIVINGSTON IL
Township / Civil Division	PONTIAC
Census Block Group	4
Census Block	4001
Census Tract	960600

Owner

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

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

Owner of Record	Individual Name on File
Mailing Address	1044 E HOWARD ST, PONTIAC, IL 61764-1406
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2019	Corporation Deed, Transfer · Conventional Mortgage BANK OF PONTIAC
May 2, 2019	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2019 · Amount on File
Deed Sale	Aug 14, 2019 · Amount on File
Prior Sale	May 2, 2019
Deed Document Number	20193107
Record Updated	Sep 20, 2026

August 2019: Corporation Deed, Transfer

Document Type	Corporation Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Aug 14, 2019
Property Address	1044 E HOWARD ST, PONTIAC, IL 61764-1406
Document Number	2019R03107
Instrument Date	Aug 12, 2019
Instrument	2019R-03107
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	$75.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1044 E HOWARD ST, PONTIAC, IL 61764-1406

Mortgage

Document Number	2019R03108
Date	Aug 14, 2019
Instrument	2019R-03108

Lender

Name	BANK OF PONTIAC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

Interest

Rate Type	Fixed Rate

May 2019: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	LIVINGSTON IL
Recording Date	May 2, 2019
Property Address	1044 E HOWARD ST, PONTIAC, IL 61764-1406
Document Number	2019R01538
Instrument Date	Apr 16, 2019
Instrument	2019R-01538
Transaction Type	Foreclosure
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$2,153.00	$30,575 Land $7,198 Building $23,377	$91,725 Land $21,594 Building $70,131

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 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

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.

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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