16018 E Rachel Ln, Davis Junction, IL 61020 Property Records

Ogle County property record for 16018 E Rachel Ln, Davis Junction, IL 61020

Property Summary

Property Type	Single Family Home
Details	2,360 sqft · built 1991
Lot Size	0.72 acres (31,363 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,619 (2025)
Deeds & Mortgages	Aug 2023 Sale Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-20-301-003`

Property Details

APN / Parcel Number

Primary APN	`12-20-301-003`

Interior

Building Area	2,360 sqft Living Area

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Split Level
Construction Type	Frame
Lot Area	31,363 sqft (0.72 acres)

Location & Zoning

Street Address	16018 E RACHEL LN
City	DAVIS JUNCTION
State	IL
Zip	61020-9569
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RNG/BLK:2 TWP:42 SECT/LOT:20 LOT 4 WESTERN HEIGHTS SUB #2
Legal Range	02
Legal Township	42
Legal Section	20
Legal Subdivision	WESTERN HEIGHTS
Legal Block	2
Legal Lot Number	4,20
Jurisdiction	OGLE IL
Township / Civil Division	MONROE
Census Block Group	3
Census Block	3040
Census Tract	961001

Owner

16018 E Rachel Ln is owned and occupied by two individuals who acquired it in August 2023.

Source: Ogle County records, as of May 19, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	16018 E RACHEL LN, DAVIS JUNCTION, IL 61020-9569
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2023	Deed, Transfer
Nov 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2023
Deed Sale	Aug 7, 2023
Deed Document Number	20233453
Prior Transfer Date	Aug 1, 2023
Prior Transfer Doc	0000003453
Record Updated	Jun 8, 2026

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	OGLE IL
Recording Date	Aug 7, 2023
Property Address	16018 E RACHEL LN, DAVIS JUNCTION, IL 61020-9569
Document Number	0000003453
Map Reference	PF A PG 35
Instrument Date	Aug 1, 2023
Instrument	202303453
Transaction Type	Transfer
Record Updated	Aug 30, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16018 E RACHEL LN, DAVIS JUNCTION, IL 61020-9569

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OGLE IL
Property Address	16018 E RACHEL LN, DAVIS JUNCTION, IL 61020-9569
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008482
Date	Nov 4, 2020
Instrument	202008482

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 28, 2030

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 16018 E Rachel Ln was $6,619.

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	$6,619.00	$94,405 Land $13,891 Building $80,514	$283,215 Land $41,673 Building $241,542
2023		$79,088 (+9.29%) Land $11,637 Building $67,451	$237,264 (+9.29%) Land $34,911 Building $202,353
2022	$5,022.00	$72,365 Land $10,648 Building $61,717	$217,095 Land $31,944 Building $185,151

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

Flood

FEMA maps place 16018 E Rachel Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2015.

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

Wildfire risk around 16018 E Rachel Ln 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 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.

Drinking Water

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

Water System	KNOLLS EDGE SUBDIVISION private · serves 68 people · EPA ID IL1415250
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	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. The service area is an EPA estimate; the actual supplier may differ.

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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