Winnebago County property record for 10972 Smith Rd, Pecatonica, IL 61063
| Property Type | Rural Home |
|---|---|
| Lot Size | 5.44 acres (236,966 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $320,000 (Jul 2019) |
| Tax Bill | $11,313 (2024) |
| Deeds & Mortgages | Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-32-200-016 |
| Primary APN | 10-32-200-016 |
|---|---|
| Alternative APN |
|
| Lot Area | 236,966 sqft (5.44 acres) |
|---|
| Account Number | 428 008A |
|---|---|
| Street Address | 10972 SMITH RD |
| City | PECATONICA |
| State | IL |
| Zip | 61063-9170 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | AG |
| Legal Description | COMM NW COR NE1/4 SEC TH E 33 FT TO POB TH E 272.22 FT S 871.2 FT W 270.24 FT N 871.2 FT TO POB PT NE1/4 SEC SEC:32 TWP: 27 RANGE: 11 ACRES: 5.44 |
| Jurisdiction | WINNEBAGO IL |
| Township / Civil Division | BURRITT |
| Census Block Group | 1 |
| Census Block | 1075 |
| Census Tract | 4200 |
Source: Winnebago County records, as of June 2, 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 Record |
|---|---|
| Mailing Address | 10972 SMITH RD, PECATONICA, IL 61063-9170 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 23, 2019 · Amount on Record |
| Deed Sale | Jul 23, 2019 · Amount on Record |
| Prior Sale | Jul 1, 2013 · Amount on Record |
| Deed Document Number | 20191024460 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Recording Date | Jul 23, 2019 |
| Property Address | 10972 SMITH RD, PECATONICA, IL 61063-9170 |
| Document Number | 0001024460 |
| Instrument Date | Jul 19, 2019 |
| Instrument | 1024460 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2019 |
| Title Company | TITLE UNDERWRITERS AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $480.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 10972 SMITH RD PECATONICA IL 610639170, PECATONICA, IL 61063-9170 |
| Document Number | 1024461 |
|---|---|
| Date | Jul 23, 2019 |
| Instrument | 1024461 |
| Name | NORTHWEST BK/ROCKFORD |
|---|---|
| Type | Bank |
| Address | IL 61103 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 22, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.3% |
Source: Winnebago County assessment roll, as of July 16, 2025
| Type | Name |
|---|---|
| State | Illinois |
| County | Winnebago County |
| County Subdivision | Burritt Township |
| Unified School District | Winnebago Community Unit School District 323 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $11,313.00 | $146,896 (+25.4%) Land $29,768 Building $117,128 | $440,688 (+25.4%) Land $89,304 Building $351,384 |
| 2022 | Homeowner's exemption | $117,141 Land $23,979 Building $93,162 | $351,423 Land $71,937 Building $279,486 |
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.
Source: FEMA National Flood Hazard Layer, effective July 12, 2023 · 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 |
| Nearby Flood Claims | 1 (1998) |
| Most Recent Claim | Jun 1998 · river or lake flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 74% 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.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| AaroBand Fixed Wireless | 100 / 50 |
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