12828 Edgewater Pointe, Winnebago, IL 61088 Property Records

Winnebago County property record for 12828 Edgewater Pointe, Winnebago, IL 61088

Property Summary

Property Type	Single Family Home
Details	2,208 sqft · built 1997
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Nov 2019)
Tax Bill	$9,364 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage Aug 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-25-253-029`

Property Details

APN / Parcel Number

Primary APN	`09-25-253-029`
Alternative APNs	`925253029` `457 084`

Interior

Building Area	2,208 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	16,988 sqft (0.39 acres)
Garage Type	Attached
Garage Area	825 sqft

Location & Zoning

Street Address	12828 EDGEWATER POINTE
City	WINNEBAGO
State	IL
Zip	61088-8018
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PCD
Legal Description	WESTLAKE VILLAGE NO 1 PT SEC 25 & 36-27-10 & PT SEC 31-27-11 LOT 74
Legal Range	11
Legal Township	27
Legal Section	31
Legal Subdivision	WESTLAKE VILLAGE NO 1
Legal Lot Number	74
Jurisdiction	WINNEBAGO IL
Township / Civil Division	PECATONICA
Census Block Group	4
Census Block	4021
Census Tract	4300

Owner

12828 Edgewater Pointe is owned and occupied by two individuals who bought it in November 2019.

Source: Winnebago County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12828 EDGEWATER POINTE, WINNEBAGO, IL 61088-8018
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2019	Warranty Deed, Transfer · VA Mortgage USAA
Aug 1, 2017	Deed of Trust, Mortgage · Line of Credit FIRST MIDWEST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2019 · Amount on File
Deed Sale	Nov 5, 2019 · Amount on File
Prior Sale	Apr 28, 2006 · Amount on File
Deed Document Number	20191037052
Record Updated	Oct 29, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Nov 5, 2019
Property Address	12828 EDGEWATER POINTE, WINNEBAGO, IL 61088-8018
Document Number	0001037052
Instrument Date	Nov 1, 2019
Instrument	1037052
Transaction Type	Transfer
Record Updated	Nov 29, 2019
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$472.35
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12828 EDGEWATER POINTE WINNEBAGO IL 610888018, WINNEBAGO, IL 61088-8018

Mortgage

Document Number	1037053
Date	Nov 5, 2019
Instrument	1037053

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 4, 2049

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	12828 EDGEWATER POINTE, WINNEBAGO, IL 61088-8018
Document Number	0001024912
Instrument Date	Aug 1, 2017
Transaction Type	Mortgage
Record Updated	Aug 24, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12828 EDGEWATER POINTE WINNEBAGO IL 610888018, WINNEBAGO, IL 61088-8018

Mortgage

Document Number	0001024912
Date	Aug 15, 2017
Instrument	1024912

Lender

Name	FIRST MIDWEST BK
Type	Bank
Address	ITASCA, IL 60143

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 12828 Edgewater Pointe was $9,364 with a homeowner's exemption.

Source: Winnebago County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Winnebago County
County Subdivision	Pecatonica Township
Unified School District	Pecatonica Community Unit School District 321 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,364.00	$147,549 Land $31,397 Building $116,152	$442,647 Land $94,191 Building $348,456
2022	Homeowner's exemption	$116,462 Land $24,782 Building $91,680	$349,386 Land $74,346 Building $275,040

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

FEMA maps place 12828 Edgewater Pointe in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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

Wildfire risk around 12828 Edgewater Pointe is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 65% 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.

Drinking Water

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

Water System	IL AMERICAN-WESTLAKE private · serves 1,493 people · EPA ID IL2010070
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	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	1 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 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AaroBand.

Cell Coverage

5G (outdoors only) and 4G LTE

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