163 E Ray St, Pontiac, IL 61764 Property Records

Livingston County property record for 163 E Ray St, Pontiac, IL 61764

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,316 sqft · built 1962
Lot Size	0.224 acres (9,750 sqft)
Owner	Individual Name on File
Tax Bill	$2,402 (2025)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Oct 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`15-15-27-429-037`

Property Details

APN / Parcel Number

Primary APN	`15-15-27-429-037`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,316 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Roof Material	Asphalt
Lot Area	9,750 sqft (0.224 acres)
Lot Dimensions	130 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	336 sqft

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Street Address	163 E RAY ST
City	PONTIAC
State	IL
Zip	61764-2759
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15-27-429-037 LOT 75 X 130 LOT 28 & W1/2 LOT 29 BLK 4 SOUTH LAWN ADD
Legal Subdivision	SOUTH LAWN ADD
Legal Block	4
Legal Lot Number	28,29
Jurisdiction	LIVINGSTON IL
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2033
Census Tract	960700

Owner

163 E Ray St is owned and occupied by an individual who acquired it in September 2022.

Source: Livingston County records, as of June 30, 2026

Owner of Record	Individual Name on File
Mailing Address	163 E RAY ST, PONTIAC, IL 61764-2759
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 8, 2024	Warranty Deed, Transfer · Conventional Mortgage STATE BANK OF GRAYMONT
Oct 3, 2022	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 30, 2022
Transfer Doc	2022R04384
Record Updated	Sep 20, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Feb 8, 2024
Property Address	163 E RAY ST, PONTIAC, IL 61764-2759
Document Number	2024R00491
Instrument Date	Jan 31, 2024
Instrument	2024R-00491
Transaction Type	Transfer
Record Updated	Feb 28, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	805 N DEERFIELD RD APT 109, 109, PONTIAC, IL 61764-9393

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	163 E RAY ST, PONTIAC, IL 61764-2759

Mortgage

Document Number	2024R00492
Date	Feb 8, 2024
Instrument	2024R-00492

Lender

Name	STATE BANK OF GRAYMONT
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

October 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Oct 3, 2022
Property Address	163 E RAY ST, PONTIAC, IL 61764-2759
Document Number	2022R04384
Instrument Date	Sep 30, 2022
Instrument	2022R-04384
Transaction Type	Transfer
Record Updated	Oct 19, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

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
Relationship	Joint Tenants with Right of Survivorship
Address	501 N ELM ST, ODELL, IL 60460-9477

Tax Assessment & Valuation

The 2025 property tax bill for 163 E Ray St was $2,402 with a homeowner's exemption.

Source: Livingston County assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Livingston County
County Subdivision	Pontiac Township
Municipality	Pontiac City
Elementary School District	Pontiac Community Consolidated School District 429 (PK - 08)
Secondary School District	Pontiac Township High School District 90 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,402.00	$33,415 Land $3,693 Building $29,722	$100,245 Land $11,079 Building $89,166
2022	$1,461.00 Homeowner's exemption Senior Citizen's exemption	$29,633 Land $3,038 Building $26,595	$88,899 Land $9,114 Building $79,785

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 163 E Ray St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective July 14, 2021 · 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
Nearby Flood Claims	7 (2008)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Jan 2008 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jan 2008 · 7 claims

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 163 E Ray St 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 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	IL AMERICAN-PONTIAC private · serves 11,864 people · EPA ID IL1055030
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	2 ppb (2025) action level 15 ppb
Copper	1.36 mg/L (2015–2017) action level 1.3 mg/L

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 107 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pavlov Media Fiber	8,000 / 8,000
Conxxus Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, Watch TV.

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