109 E Minnesota St, Spring Valley, IL 61362 Property Records

Bureau County property record for 109 E Minnesota St, Spring Valley, IL 61362

Property Summary

Property Type	Single Family Home
Details	built 1905
Lot Size	0.148 acres (6,458 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Sep 2025)
Tax Bill	$1,792 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Dec 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-34-481-003`

Property Details

APN / Parcel Number

Primary APN	`18-34-481-003`
Alternative APN	`907`

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Lot Area	6,458 sqft (0.148 acres)

Location & Zoning

Account Number	1834481003
Street Address	109 E MINNESOTA ST
City	SPRING VALLEY
State	IL
Zip	61362-2021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING VALLEY L 6 BLK 65
Legal Range	11
Legal Township	16
Legal Section	34
Legal Subdivision	THEVIGINAL TOWN
Legal Block	65
Legal Lot Number	6
Jurisdiction	BUREAU IL
Township / Civil Division	HALL
Census Block Group	1
Census Block	1023
Census Tract	965200

Owner

Source: Bureau County records, as of May 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	109 E MINNESOTA ST, SPRING VALLEY, IL 61362-2021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 5, 2022	Intrafamily Transfer, Transfer
Oct 26, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
Oct 26, 2021	Deed of Trust, Mortgage · Reverse Mortgage HUD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2025 · Amount on Record
Deed Sale	Sep 8, 2025 · Amount on Record
Deed Document Number	20252991
Prior Transfer Date	Nov 25, 2022
Prior Transfer Doc	2022R04493
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUREAU IL
Recording Date	Sep 8, 2025
Property Address	109 E MINNESOTA ST, SPRING VALLEY, IL 61362-2021
Document Number	2025R02991
Instrument Date	Sep 5, 2025
Instrument	2025R02991
Transaction Type	Transfer
Record Updated	Sep 24, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E MINNESOTA ST, SPRING VALLEY, IL 61362-2021

Mortgage

Document Number	2025R02992
Date	Sep 8, 2025
Instrument	2025R02992

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate
Rate	6.13%

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUREAU IL
Recording Date	Dec 5, 2022
Property Address	109 E MINNESOTA ST, SPRING VALLEY, IL 61362-2021
Document Number	2022R04493
Instrument Date	Nov 25, 2022
Instrument	2022R04493
Transaction Type	Transfer
Record Updated	Dec 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E MINNESOTA ST, SPRING VALLEY, IL 61362-2021

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUREAU IL
Property Address	109 E MINNESOTA ST, SPRING VALLEY, IL 61362-2021
Transaction Type	Mortgage
Record Updated	Apr 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R04943
Date	Oct 26, 2021
Instrument	2021R04943

Lender

Name	AMERICAN ADVISORS GROUP
Type	Funding / Finance Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Due	Feb 2, 2001

Interest

Rate Type	Fixed Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUREAU IL
Property Address	109 E MINNESOTA ST, SPRING VALLEY, IL 61362-2021
Transaction Type	Mortgage
Record Updated	Apr 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R04944
Date	Oct 26, 2021
Instrument	2021R04944

Lender

Name	HUD
Type	Government Agency

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Due	Feb 2, 2001

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Bureau County assessment roll, as of May 8, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Bureau County
County Subdivision	Hall Township
Municipality	Spring Valley City
Secondary School District	Hall High School District 502 (09 - 12)
Elementary School District	Spring Valley Community Consolidated School District 99 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,792.00 (+12.78%) Homeowner's exemption	$29,354 (+8.56%) Land $4,018 Building $25,336	$88,062 (+8.56%) Land $12,054 Building $76,008
2024	$1,589.00 (+10.5%) Homeowner's exemption	$27,039 (+6.64%) Land $3,701 Building $23,338	$81,117 (+6.64%) Land $11,103 Building $70,014
2023		$25,356 Land $3,471 Building $21,885	$76,068 Land $10,413 Building $65,655
2022	$1,438.00

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

Source: FEMA National Flood Hazard Layer, effective August 2, 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% 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	SPRING VALLEY serves 5,582 people · EPA ID IL0111000
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2026–2028) 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 624 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Geneseo Communications Services Fiber	1,000 / 1,000
Nextlink Fixed Wireless	100 / 20

May also be available: AT&T, IVNet.

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