121 E Ray St, Pontiac, IL 61764 Property Records

Livingston County property record for 121 E Ray St, Pontiac, IL 61764

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,252 sqft · built 1900
Lot Size	0.373 acres (16,250 sqft)
Owner	Individual Name on Record
Deeds & Mortgages	Oct 2025 Mortgage Aug 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`15-15-27-429-036`

Property Details

APN / Parcel Number

Primary APN	`15-15-27-429-036`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,252 sqft Living Area
Basement Area	292 sqft
Unfinished Basement	292 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Roof Material	Asphalt
Lot Area	16,250 sqft (0.373 acres)
Lot Dimensions	130 ft deep x 125 ft wide
Garage Type	Detached
Garage Area	480 sqft

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Street Address	121 E RAY ST
City	PONTIAC
State	IL
Zip	61764-2759
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15-27-429-036 LOT 125 X 130 LOTS 23, 24 & W1/2 LOT 25 BLK 4 SOUTH LAWN ADD
Legal Subdivision	SOUTH LAWN ADD
Legal Block	4
Legal Lot Number	23-25
Jurisdiction	LIVINGSTON IL
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2033
Census Tract	960700

Owner

Source: Livingston County records, as of June 30, 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	121 E RAY ST, PONTIAC, IL 61764-2759
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2025	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Aug 22, 2017	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC
Jun 1, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS INC
Feb 18, 2021	Intrafamily Transfer, Transfer
Mar 3, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 9, 2021
Transfer Doc	2021R01090
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON IL
Property Address	121 E RAY ST, PONTIAC, IL 61764-2759
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025R04367
Date	Oct 7, 2025
Instrument	2025R-04367

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON IL
Property Address	121 E RAY ST, PONTIAC, IL 61764-2759
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017R03259
Date	Aug 22, 2017
Instrument	2017R-03259

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2032

Interest

Rate Type	Fixed Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON IL
Property Address	121 E RAY ST, PONTIAC, IL 61764-2759
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R02767
Date	Jun 1, 2021
Instrument	2021R-02767

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2035

Interest

Rate Type	Fixed Rate

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LIVINGSTON IL
Recording Date	Feb 18, 2021
Property Address	121 E RAY ST, PONTIAC, IL 61764-2759
Document Number	2021R00837
Instrument Date	Feb 9, 2021
Instrument	2021R-00837
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	121 E RAY ST, PONTIAC, IL 61764-2759

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LIVINGSTON IL
Recording Date	Mar 3, 2021
Property Address	121 E RAY ST, PONTIAC, IL 61764-2759
Document Number	2021R01090
Instrument Date	Feb 9, 2021
Instrument	2021R-01090
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 E RAY ST, PONTIAC, IL 61764-2759

Tax Assessment & Valuation

Source: Livingston County assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Livingston County
County Subdivision	Pontiac Township
Municipality	Pontiac City
Elementary School District	Pontiac Community Consolidated School District 429 (PK - 08)
Secondary School District	Pontiac Township High School District 90 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption	$39,332 (+13.7%) Land $6,155 Building $33,177	$117,996 (+13.7%) Land $18,465 Building $99,531
2024		$34,592 Land $5,413 Building $29,179	$103,776 Land $16,239 Building $87,537

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 14, 2021 · 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	7 (2008)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Jan 2008 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jan 2008 · 7 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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	IL AMERICAN-PONTIAC private · serves 11,864 people · EPA ID IL1055030
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	2 ppb (2025) action level 15 ppb
Copper	1.36 mg/L (2015–2017) action level 1.3 mg/L

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 107 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pavlov Media Fiber	8,000 / 8,000
Conxxus Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

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