Winnebago County property record for 106 E Bluff St, Winnebago, IL 61088
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 3,070 sqft · built 1920 |
| Lot Size | 0.236 acres (10,296 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,450 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 512D347 |
| Primary APN | 512D347 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 3,070 sqft Living Area |
| Gross Area | 3,818 sqft |
| 1st Floor Area | 1,161 sqft |
| Basement Area | 748 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Multi-Level |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 10,296 sqft (0.236 acres) |
| Lot Dimensions | 156 ft deep x 66 ft wide |
| Garage Area | 607 sqft |
| Driveway | Driveway |
| Deck Area | 256 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 512D347 |
|---|---|
| Street Address | 106 E BLUFF ST |
| City | WINNEBAGO |
| State | IL |
| Zip | 61088-9676 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ORIGINAL PLAT OF WINNEBAGO LOT 008 BLOCK 013 |
| Legal Subdivision | WINNEBAGO |
| Legal Block | 013 |
| Legal Lot Number | 008 |
| Jurisdiction | WINNEBAGO IL |
| Township / Civil Division | WINNEBAGO |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 4200 |
Source: Winnebago County assessment roll, APN 512D347, as of July 28, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 106 E BLUFF ST, WINNEBAGO, IL 61088-9676 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 106 E BLUFF ST, WINNEBAGO, IL 61088-9676 |
| Transaction Type | Mortgage |
| Record Updated | Oct 06, 2021 |
| Title Company | RAVENSWOOD TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000031440 |
|---|---|
| Date | Sep 07, 2021 |
| Instrument | 2131440 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 01, 2051 |
| Rate Type | Fixed Rate |
|---|
Source: Winnebago County assessment roll as of July 28, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Winnebago County |
| County Subdivision | Winnebago Township |
| Municipality | Winnebago Village |
| Unified School District | Winnebago Community Unit School District 323 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,450.00 | $59,794 (+31.49%) Land $6,644 Building $53,150 | $179,382 (+31.49%) Land $19,932 Building $159,450 |
| 2022 | Homeowner's exemption | $45,475 Land $5,104 Building $40,371 | $136,425 Land $15,312 Building $121,113 |
Source: FEMA National Flood Hazard Layer, Winnebago County (17201C), as of July 12, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, 106 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Silo Communications Fiber | 1,000 / 1,000 |
| Mediacom Communications Cable | 1,000 / 50 |
May also be available: AaroBand, Xfinity.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System, water system IL2010500, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | WINNEBAGO serves 2,940 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| Lead | 6 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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