170 Spaulding Ave, Clifton, IL 60927 Property Records

Iroquois County property record for 170 Spaulding Ave, Clifton, IL 60927

Property Summary

Property Type	Single Family Home
Lot Size	0.251 acres (10,936 sqft)
Owner	Individual Name on Record
Last Sale	$48,333 (Jan 2024)
Tax Bill	$2,760 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Nov 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10 03 254 007`

Property Details

APN / Parcel Number

Primary APN	`10 03 254 007`

Exterior

Lot Area	10,936 sqft (0.251 acres)

Location & Zoning

Street Address	170 SPAULDING AVE
City	CLIFTON
State	IL
Zip	60927-7220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FITZGERALDS 2ND SD HOWES ADD LTS 4 & 5 BLK 2
Legal Subdivision	FITZGERALDS 2ND SD
Legal Block	2
Legal Lot Number	4,5
Jurisdiction	IROQUOIS IL
Township / Civil Division	CHEBANSE
Census Block Group	3
Census Block	3027
Census Tract	950200

Owner

Source: Iroquois County records, as of July 17, 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	170 SPAULDING AVE, CLIFTON, IL 60927-7220
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2024	Warranty Deed, Transfer · Conventional Mortgage CITIZENS BANK NA
Nov 14, 2023	Deed of Trust, Mortgage · Line of Credit FIRST TRUST & SAVINGS BANK OF WATSEKA
Jun 23, 2022	Deed, Transfer · Conventional Mortgage FIRST TRUST & SAVINGS BANK OF WATSEKA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2024 · Amount on Record
Deed Sale	Jan 5, 2024 · Amount on Record
Prior Sale	Jun 23, 2022 · Amount on Record
Deed Document Number	202452
Record Updated	Sep 20, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Jan 5, 2024
Property Address	170 SPAULDING AVE, CLIFTON, IL 60927-7220
Document Number	00024R0052
Map Reference	MB E PG 65
Instrument Date	Dec 26, 2023
Instrument	24R0052
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	BURNET TITLE-POST CLOSING, BURNET TITLE POST CLOSING

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$145.00
Amount Accuracy	Rounded by County
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	170 SPAULDING AVE, CLIFTON, IL 60927-7220

Mortgage

Document Number	00024R0053
Date	Jan 5, 2024
Instrument	24R0053

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.37%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	170 SPAULDING AVE, CLIFTON, IL 60927-7220
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 693, CLIFTON, IL 60927-0693

Mortgage

Document Number	00023R3281
Date	Nov 14, 2023
Instrument	23R3281

Lender

Name	FIRST TRUST & SAVINGS BANK OF WATSEKA
Type	Bank
Address	CLIFTON, IL 60927

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	IROQUOIS IL
Recording Date	Jun 23, 2022
Property Address	170 SPAULDING AVE, CLIFTON, IL 60927-7220
Document Number	00022R2252
Map Reference	MB E PG 65
Instrument Date	Jun 23, 2022
Instrument	22R2252
Transaction Type	Transfer
Record Updated	Jun 1, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$108.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	107 SPAULDING AVE, CLIFTON, IL 60927-7210

Mortgage

Document Number	00022R2253
Date	Jun 23, 2022
Instrument	22R2253

Lender

Name	FIRST TRUST & SAVINGS BANK OF WATSEKA
Type	Bank
Address	WATSEKA, IL 60970

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	85 Months
Due	Jul 1, 2029

Interest

Rate Type	Fixed Rate
Rate	4.9%

Tax Assessment & Valuation

Source: Iroquois County assessment roll, as of July 17, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Iroquois County
County Subdivision	Chebanse Township
Municipality	Clifton Village
Unified School District	Central Community Unit School District 4 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,760.00 (+1%)	$42,000 (+30.6%) Land $11,630 Building $30,370	$126,000 (+30.6%) Land $34,890 Building $91,110
2022	$2,509.00	$32,160 Land $8,900 Building $23,260	$96,480 Land $26,700 Building $69,780

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 August 16, 2011

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Not rated no burnable land within 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	CLIFTON serves 1,500 people · EPA ID IL0750250
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	2 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	27 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 294 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink, Watch TV.

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