LaSalle County property record for 1108 Charles St, Ottawa, IL 61350
| Property Type | Single Family Home |
|---|---|
| Details | 1,144 sqft · built 1952 |
| Lot Size | 0.131 acres (5,716 sqft) |
| Owner | Individual Name on File |
| Last Sale | $69,000 (Mar 2016) |
| Tax Bill | $4,328 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Apr 2006 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-10-208-004 |
| Primary APN | 21-10-208-004 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,144 sqft Total Area |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Lot Area | 5,716 sqft (0.131 acres) |
| Street Address | 1108 CHARLES ST |
|---|---|
| City | OTTAWA |
| State | IL |
| Zip | 61350-1718 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BACH-EICHELKRAUT SUBD LOT 4 BLK 1 |
| Legal Subdivision | BACH & EICHELKRAUT SUB |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | LASALLE IL |
| Township / Civil Division | OTTAWA |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 962800 |
1108 Charles St is owned and occupied by an individual who bought it in March 2016.
Source: LaSalle County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1108 CHARLES ST, OTTAWA, IL 61350-1718 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Sep 23, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE |
| Apr 7, 2006 | Warranty Deed, Transfer · USDA Mortgage USDA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 28, 2016 · Amount on File |
| Deed Sale | Mar 28, 2016 · Amount on File |
| Prior Sale | Aug 11, 2015 · Amount on File |
| Deed Document Number | 20163837 |
| Prior Transfer Date | Jul 27, 2015 |
| Prior Transfer Doc | 201515288 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LASALLE IL |
| Property Address | 1108 CHARLES ST, OTTAWA, IL 61350-1718 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0202510158 |
|---|---|
| Date | Sep 23, 2025 |
| Instrument | 2025-10158 |
| Name | FREEDOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2055 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 8% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LASALLE IL |
| Recording Date | Apr 7, 2006 |
| Property Address | 1108 CHARLES ST, OTTAWA, IL 61350-1718 |
| Document Number | 0200608929 |
| Instrument Date | Apr 3, 2006 |
| Instrument | 2006-08929 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $172.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 709 GERMANIA DR, OTTAWA, IL 61350-4249 |
| Name | Verified Name |
|---|---|
| Address | 1814 POPLAR ST, OTTAWA, IL 61350-1354 |
| Document Number | 0200608930 |
|---|---|
| Date | Apr 7, 2006 |
| Instrument | 2006-08930 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 396 Months |
| Due | Apr 7, 2039 |
The 2025 property tax bill for 1108 Charles St was $4,328, up 9.1% from the year before.
Source: LaSalle County assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | LaSalle County |
| County Subdivision | Ottawa Township |
| Municipality | Ottawa City |
| Elementary School District | Ottawa Elementary School District 141 (PK - 08) |
| Secondary School District | Ottawa Township High School District 140 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,328.00 (+9.07%) | $49,146 (+10.36%) Land $5,824 Building $43,322 | $147,438 (+10.36%) Land $17,472 Building $129,966 |
| 2024 | $3,968.00 | $44,532 (+11.73%) Land $5,277 Building $39,255 | $133,596 (+11.73%) Land $15,831 Building $117,765 |
| 2023 | $39,857 (+10.18%) Land $4,723 Building $35,134 | $119,571 (+10.18%) Land $14,169 Building $105,402 | |
| 2022 | $36,175 Land $6,384 Building $29,791 | $108,525 Land $19,152 Building $89,373 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1108 Charles St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 29, 2024
| 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.
The area around 1108 Charles St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | OTTAWA serves 18,097 people · EPA ID IL0990800 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | Radium resolved · Jul 2023 |
|---|---|
| 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 320 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable · Fixed Wireless | 1,000 / 50 |
May also be available: Surf Internet, Verizon.
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