122 Fern St, Ottawa, IL 61350 Property Records

LaSalle County property record for 122 Fern St, Ottawa, IL 61350

Property Summary

Property Type	Single Family Home
Details	884 sqft · built 1969
Lot Size	0.294 acres (12,839 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Jun 2017)
Tax Bill	$4,196 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jun 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-15-105-008`

Property Details

APN / Parcel Number

Primary APN	`21-15-105-008`
Alternative APN	`18-15-107-004`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	884 sqft Total Area

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Lot Area	12,839 sqft (0.294 acres)

Location & Zoning

Street Address	122 FERN ST
City	OTTAWA
State	IL
Zip	61350-3435
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST END ADD, LTS 3 & 4 BLK 6 SEC 15-33-3
Legal Range	03
Legal Township	33
Legal Section	15
Legal Subdivision	WEST END ADD
Legal Block	6
Legal Lot Number	3-4
Jurisdiction	LASALLE IL
Township / Civil Division	OTTAWA
Census Block Group	2
Census Block	2020
Census Tract	962800

Owner

Source: LaSalle County records, as of October 20, 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	122 FERN ST, OTTAWA, IL 61350-3435
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN COMMUNITY BK & TR
Jun 30, 2017	Deed, Transfer
Jun 30, 2017	Deed, Transfer · Conventional Mortgage FINANCIAL PLUS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2017 · Amount on Record
Deed Sale	Jun 30, 2017 · Amount on Record
Prior Sale	Jun 14, 2012
Deed Document Number	20179539
Prior Transfer Date	Jun 14, 2011
Prior Transfer Doc	201212801
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LASALLE IL
Property Address	122 FERN ST, OTTAWA, IL 61350-3435
Transaction Type	Mortgage
Record Updated	Jan 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202119762
Date	Dec 23, 2021
Instrument	2021-19762

Lender

Name	AMERICAN COMMUNITY BK & TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	132 Months
Due	Jan 1, 2032

Interest

Rate Type	Fixed Rate

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	LASALLE IL
Recording Date	Jun 30, 2017
Property Address	122 FERN ST, OTTAWA, IL 61350-3435
Document Number	201709539
Instrument Date	Jun 30, 2017
Instrument	201709539
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$172.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	LASALLE IL
Recording Date	Jun 30, 2017
Property Address	122 FERN ST, OTTAWA, IL 61350-3435
Document Number	201709539
Instrument Date	Jun 30, 2017
Instrument	201709539
Transaction Type	Transfer
Record Updated	Jun 7, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$172.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	201709540
Date	Jun 30, 2017
Instrument	201709540

Lender

Name	FINANCIAL PLUS CU
Type	Credit Union

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	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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,196.00 (+7.48%)	$41,835 (+23.31%) Land $7,150 Building $34,685	$125,505 (+23.31%) Land $21,450 Building $104,055
2024	$3,904.00
2023		$33,928 (+10.18%) Land $5,799 Building $28,129	$101,784 (+10.18%) Land $17,397 Building $84,387
2022		$30,793 Land $4,901 Building $25,892	$92,379 Land $14,703 Building $77,676

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

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 99.1% of the US · lower than 94% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 161 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fixed Wireless · Fiber in parts of the area	1,000 / 50

May also be available: Verizon.

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