1646 Larchmont Rd, Davis, IL 61019 Property Records

Winnebago County property record for 1646 Larchmont Rd, Davis, IL 61019

Property Summary

Property Type	Single Family Home
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on Record
Last Sale	$313,000 (Oct 2025)
Tax Bill	$5,654 (2025)
Deeds & Mortgages	May 2026 Mortgage Oct 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-06-226-031`

Property Details

APN / Parcel Number

Primary APN	`05-06-226-031`
Alternative APNs	`506226031` `330A530B`

Exterior

Lot Area	18,731 sqft (0.43 acres)

Location & Zoning

Street Address	1646 LARCHMONT RD
City	DAVIS
State	IL
Zip	61019-9632
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CORRECTED FINAL PLAT 2 OF LAKE SUMMERSET-SAYBROOK SEC 7 LOT 1646
Legal Subdivision	CORRECTED FINAL PLAT 2
Legal Lot Number	1646
Jurisdiction	WINNEBAGO IL
Township / Civil Division	LAONA
Census Block Group	1
Census Block	1002
Census Tract	4100

Owner

Source: Winnebago County records, as of September 24, 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 Record
Mailing Address	1646 LARCHMONT RD, DAVIS, IL 61019-9632
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT CREDIT UNION
Oct 28, 2025	Deed, Transfer · Conventional Mortgage SUMMIT CU
Jul 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT CREDIT UNION
Aug 5, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2025 · Amount on Record
Deed Sale	Oct 28, 2025 · Amount on Record
Deed Document Number	202528093
Prior Transfer Date	Jul 28, 2020
Prior Transfer Doc	0000021921
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Recording Date	May 13, 2026
Property Address	1646 LARCHMONT RD, DAVIS, IL 61019-9632
Document Number	0000011867
Instrument Date	Oct 15, 2025
Instrument	202611867
Transaction Type	Mortgage
Record Updated	Sep 24, 2026
Title Company	SECURITY FIRST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	211 WARREN ST, ALBANY, WI 53502-9501

Mortgage

Document Number	0000011867,
Date	May 13, 2026
Instrument	202611867

Lender

Name	SUMMIT CREDIT UNION

Agreement

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

Interest

Rate	6.13%
Max Rate	-1%

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Oct 28, 2025
Property Address	1646 LARCHMONT RD, DAVIS, IL 61019-9632
Document Number	0000028093
Map Reference	PB 32 PG 262-270
Instrument Date	Oct 15, 2025
Instrument	2528093
Transaction Type	Transfer
Record Updated	Nov 26, 2025
Title Company	SECURITY FIRST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$469.50
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	1646 LARCHMONT RD, DAVIS, IL 61019-9632
Investor	Possibly a Property Investor

Mortgage

Document Number	0000028094
Date	Oct 28, 2025
Instrument	2528094

Lender

Name	SUMMIT CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.13%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Recording Date	Jul 15, 2026
Property Address	1646 LARCHMONT RD, DAVIS, IL 61019-9632
Document Number	0000018016
Instrument Date	Oct 15, 2025
Instrument	202618016
Transaction Type	Mortgage
Record Updated	Sep 24, 2026
Title Company	SECURITY FIRST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	211 WARREN ST, ALBANY, WI 53502-9501

Mortgage

Document Number	0000018016,
Date	Jul 15, 2026
Instrument	202618016

Lender

Name	SUMMIT CREDIT UNION

Agreement

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

Interest

Rate	6.13%
Max Rate	-1%

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Aug 5, 2020
Property Address	1646 LARCHMONT RD, DAVIS, IL 61019-9632
Document Number	0001021921
Instrument Date	Jul 28, 2020
Instrument	1021921
Transaction Type	Transfer
Record Updated	Aug 18, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1646 LARCHMONT RD DAVIS IL 610199632, DAVIS, IL 61019-9632

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Winnebago County
County Subdivision	Laona Township
Unified School District	Durand Community Unit School District 322 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,654.00 (+9.45%)	$88,527 (+10.73%) Land $2,526 Building $86,001	$265,581 (+10.73%) Land $7,578 Building $258,003
2024	$5,166.00 Homeowner's exemption Senior Citizen's exemption	$79,948 (+32.11%) Land $2,281 Building $77,667	$239,844 (+32.11%) Land $6,843 Building $233,001
2022	Homeowner's exemption	$60,517 Land $1,744 Building $58,773	$181,551 Land $5,232 Building $176,319

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

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 74% 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	OTTER CREEK LAKE UTILITIES DISTRICT serves 2,342 people · EPA ID IL2015320
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	Under 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 196 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Spectrum Fiber	2,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: LiteWire.

Cell Coverage

5G (outdoors only) and 4G LTE

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