114 N Commerce St, Seneca, IL 61360 Property Records

LaSalle County property record for 114 N Commerce St, Seneca, IL 61360

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,488 sqft · built 1922
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$87,000 (Oct 2018)
Tax Bill	$2,402 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`24-24-323-004`

Property Details

APN / Parcel Number

Primary APN	`24-24-323-004`
Alternative APN	`20-24-359-003`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,488 sqft Total Area

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Lot Area	12,197 sqft (0.28 acres)

Location & Zoning

Street Address	114 N COMMERCE ST
City	SENECA
State	IL
Zip	61360-9475
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNDERHILLS ADD, W100' S1/2 LT 3 & ALL LT 4 BLK 5 SEC 24-33-5
Legal Range	05
Legal Township	33
Legal Section	24
Legal Subdivision	UNDERHILLS ADD
Legal Block	5
Legal Lot Number	3-4
Jurisdiction	LASALLE IL
Township / Civil Division	MANLIUS
Census Block Group	3
Census Block	3023
Census Tract	962400

Owner

Source: LaSalle County records, as of June 29, 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 Record
Mailing Address	217 E UNION ST, SENECA, IL 61360-9486
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST MIDWEST BANK
Oct 15, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 15, 2018 · Amount on Record
Deed Sale	Oct 15, 2018 · Amount on Record
Deed Document Number	201813907
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LASALLE IL
Property Address	114 N COMMERCE ST, SENECA, IL 61360-9475
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202004640
Date	Apr 6, 2020
Instrument	202004640

Lender

Name	FIRST MIDWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LASALLE IL
Recording Date	Oct 15, 2018
Property Address	114 N COMMERCE ST, SENECA, IL 61360-9475
Document Number	201813907
Instrument Date	Oct 3, 2018
Instrument	201813907
Transaction Type	Transfer
Record Updated	Jun 7, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	217 E UNION ST, SENECA, IL 61360-9486

Mortgage

Document Number	201813908
Date	Oct 15, 2018
Instrument	201813908

Lender

Name	WELLS FARGO BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: LaSalle County assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	LaSalle County
County Subdivision	Manlius Township
Municipality	Seneca Village
Elementary School District	Seneca Community Consolidated School District 170 (PK - 08)
Secondary School District	Seneca Township High School District 160 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,402.00 (+13.89%)	$37,510 (+19.9%) Land $7,620 Building $29,890	$112,530 (+19.9%) Land $22,860 Building $89,670
2024	$2,109.00 (+15.18%)
2023		$31,284 (-0.7%) Land $6,355 Building $24,929	$93,852 (-0.7%) Land $19,065 Building $74,787
2022	$1,831.00	$31,504 Land $6,089 Building $25,415	$94,512 Land $18,267 Building $76,245

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 March 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	5 (1992–2021)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Jul 2021 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SENECA serves 2,353 people · EPA ID IL0991050
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	Under 1 ppb (2025) 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 197 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Kraus Electronic Systems Cable	2,500 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Watch TV.

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