12976 Springhill Dr, Winnebago, IL 61088 Property Records

Winnebago County property record for 12976 Springhill Dr, Winnebago, IL 61088

Property Summary

Property Type	Single Family Home
Details	1,728 sqft · built 2002
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$233,000 (Nov 2022)
Tax Bill	$5,461 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Nov 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`09-25-452-006`

Property Details

APN / Parcel Number

Primary APN	`09-25-452-006`
Alternative APNs	`925452006` `457 219`

Interior

Building Area	1,728 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	728 sqft

Location & Zoning

Street Address	12976 SPRINGHILL DR
City	WINNEBAGO
State	IL
Zip	61088-8043
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PCD
Legal Description	WESTLAKE VILLAGE NO 2 PT S 1/2 SEC 25-27-10 LOT 209
Legal Range	10
Legal Township	27
Legal Section	25
Legal Subdivision	WESTLAKE VILLAGE NO 2
Legal Lot Number	209
Jurisdiction	WINNEBAGO IL
Township / Civil Division	PECATONICA
Census Block Group	4
Census Block	4038
Census Tract	4300

Owner

12976 Springhill Dr is owned and occupied by two individuals who bought it in November 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	12976 SPRINGHILL DR, WINNEBAGO, IL 61088-8043
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
Jan 23, 2024	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK ROCKFORD
Nov 4, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK ROCKFORD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2022 · Amount on File
Deed Sale	Nov 4, 2022 · Amount on File
Deed Document Number	202233768
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	12976 SPRINGHILL DR, WINNEBAGO, IL 61088-8043
Transaction Type	Mortgage
Record Updated	Feb 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001639
Date	Jan 23, 2024
Instrument	2401639

Lender

Name	NORTHWEST BANK ROCKFORD
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	8.5%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Nov 4, 2022
Property Address	12976 SPRINGHILL DR, WINNEBAGO, IL 61088-8043
Document Number	0000033768
Map Reference	BK41 PG2A 2B 3A 3B
Instrument Date	Nov 1, 2022
Instrument	2233768
Transaction Type	Transfer
Record Updated	Nov 23, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$349.50
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	Tenants by the Entirety
Address	12976 SPRINGHILL DR, WINNEBAGO, IL 61088-8043

Mortgage

Document Number	0000033769
Date	Nov 4, 2022
Instrument	2233769

Lender

Name	NORTHWEST BANK ROCKFORD
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Fixed Rate
Rate	6%

Tax Assessment & Valuation

The 2025 property tax bill for 12976 Springhill Dr was $5,461 with a homeowner's exemption, up 0.3% from the year before.

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	$5,461.00 (+0.31%) Homeowner's exemption	$88,560 (+7.41%) Land $12,913 Building $75,647	$265,680 (+7.41%) Land $38,739 Building $226,941
2024	$5,444.00	$82,450 Land $12,022 Building $70,428	$247,350 Land $36,066 Building $211,284
2022	Homeowner's exemption	$58,289 Land $10,192 Building $48,097	$174,867 Land $30,576 Building $144,291

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 12976 Springhill Dr in Zone X, an area of moderate flood risk.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 12976 Springhill Dr 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 67 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, JCWIFI.com.

Cell Coverage

5G (outdoors only) and 4G LTE

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