15959 E Rachel Ln, Davis Junction, IL 61020 Property Records

Ogle County property record for 15959 E Rachel Ln, Davis Junction, IL 61020

Property Summary

Property Type	Single Family Home
Details	2,050 sqft · built 1995
Lot Size	0.94 acres (40,946 sqft)
Owner	Individual Name on Record
Tax Bill	$4,870 (2025)
Deeds & Mortgages	Sep 2025 Transfer Sep 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-19-429-007`

Property Details

APN / Parcel Number

Primary APN	`12-19-429-007`

Interior

Building Area	2,050 sqft Living Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Split Level
Construction Type	Frame
Lot Area	40,946 sqft (0.94 acres)

Location & Zoning

Street Address	15959 E RACHEL LN
City	DAVIS JUNCTION
State	IL
Zip	61020-9568
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RNG/BLK:2 TWP:42 SECT/LOT:19 LOT 14 WESTERN HEIGHTS SUB #2
Legal Range	02
Legal Township	42
Legal Section	19
Legal Subdivision	WESTERN HEIGHTS
Legal Block	2
Legal Lot Number	14,19
Jurisdiction	OGLE IL
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3044
Census Tract	961001

Owner

Source: Ogle County records, as of May 19, 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	15959 E RACHEL LN, DAVIS JUNCTION, IL 61020-9568
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Correction Deed UNKNOWN, KO
Sep 8, 2025	Intrafamily Transfer, Transfer · Conventional Mortgage BYRON BANK
Feb 2, 2023	Deed of Trust, Mortgage · FHA Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 8, 2015
Deed Sale	Jan 8, 2015
Prior Sale	Jul 21, 2014
Deed Document Number	2015180
Last Transfer Date	Aug 20, 2025
Transfer Doc	0000004648
Record Updated	Jun 8, 2026

September 2025: Correction Deed

Document Type	Correction Deed
Jurisdiction	OGLE IL
Recording Date	Sep 15, 2025
Property Address	15959 E RACHEL LN, DAVIS JUNCTION, IL 61020-9568
Document Number	0000004648
Map Reference	BK 90 PG 2541
Instrument Date	Aug 20, 2025
Instrument	202504648
Record Updated	Oct 1, 2025
Title Company	UNKNOWN, KO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15959 E RACHEL LN, DAVIS JUNCTION, IL 61020-9568

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OGLE IL
Recording Date	Sep 8, 2025
Property Address	15959 E RACHEL LN, DAVIS JUNCTION, IL 61020-9568
Document Number	0000004515
Map Reference	BK 90 PG 2541
Instrument Date	Aug 19, 2025
Instrument	202504515
Transaction Type	Transfer
Record Updated	Sep 24, 2025
Title Company	UNKNOWN, KO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15959 E RACHEL LN, DAVIS JUNCTION, IL 61020-9568

Mortgage

Document Number	0000004516
Date	Sep 8, 2025
Instrument	202504516

Lender

Name	BYRON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7.13%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	5.13%
Max Rate At Change	9.13%
Index	1-Year CMT
Margin	3
Max Rate	13.1%

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OGLE IL
Property Address	15959 E RACHEL LN, DAVIS JUNCTION, IL 61020-9568
Transaction Type	Mortgage
Record Updated	Feb 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000452
Date	Feb 2, 2023
Instrument	202300452

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

Interest

Rate Type	Fixed Rate
Rate	5.75%

Tax Assessment & Valuation

Source: Ogle County assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Ogle County
County Subdivision	Monroe Township
Unified School District	Meridian Community Unit School District 223 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,870.00 (+7.32%)	$67,366 (+11.34%) Land $13,891 Building $53,475	$202,098 (+11.34%) Land $41,673 Building $160,425
2024	$4,538.00 (+21.5%)	$60,505 (+7.21%) Land $12,476 Building $48,029	$181,515 (+7.21%) Land $37,428 Building $144,087
2023		$56,436 Land $11,637 Building $44,799	$169,308 Land $34,911 Building $134,397
2022	$3,735.00

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 December 30, 2020 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2015 · rainfall accumulation

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 98% of the US · lower than 86% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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