20 Westminster Dr, Spring Valley, IL 61362 Property Records

Bureau County property record for 20 Westminster Dr, Spring Valley, IL 61362

Property Summary

Property Type	Single Family Home
Details	built 1970
Lot Size	0.218 acres (9,503 sqft)
Owner	Individual Name on Record
Last Sale	$161,000 (Nov 2016)
Tax Bill	$7,592 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Oct 2015 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`18-26-305-001`

Property Details

APN / Parcel Number

Primary APN	`18-26-305-001`
Alternative APN	`2520`

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Lot Area	9,503 sqft (0.218 acres)

Location & Zoning

Account Number	1826305001
Street Address	20 WESTMINSTER DR
City	SPRING VALLEY
State	IL
Zip	61362-1505
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING VALLEY-CAMBRIDGE 1ST ADD. L 20 D 16-4286
Legal Range	11
Legal Township	16
Legal Section	26
Legal Subdivision	CAMBRIDGE 1ST ADD
Legal Lot Number	20
Jurisdiction	BUREAU IL
Township / Civil Division	HALL
Census Block Group	3
Census Block	3036
Census Tract	965100

Owner

Source: Bureau County records, as of May 8, 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	20 WESTMINSTER DR, SPRING VALLEY, IL 61362-1505
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK MENDOTA
Oct 13, 2015	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Jun 6, 2005	Deed of Trust, Mortgage · Line of Credit AMCORE BANK NA
Mar 12, 2009	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK
Jun 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK MENDOTA
Nov 21, 2016	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK
Aug 3, 2010	Special Warranty Deed, Transfer · FHA Mortgage FIFTH THIRD MORTGAGE CO
Jan 11, 2010	Quit Claim Deed, Transfer Quitclaim
Jun 16, 2005	Warranty Deed, Transfer · ARM FIRST STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2016 · Amount on Record
Deed Sale	Nov 21, 2016 · Amount on Record
Prior Sale	Aug 3, 2010 · Amount on Record
Deed Document Number	20164286
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUREAU IL
Property Address	20 WESTMINSTER DR, SPRING VALLEY, IL 61362-1505
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R02201
Date	Jun 1, 2020
Instrument	2020R02201

Lender

Name	FIRST STATE BANK MENDOTA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2035

Interest

Rate Type	Fixed Rate

October 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUREAU IL
Property Address	20 WESTMINSTER DR, SPRING VALLEY, IL 61362-1505
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2015R04123
Date	Oct 13, 2015
Instrument	2015R04123

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2035

June 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUREAU IL
Property Address	20 WESTMINSTER DR, SPRING VALLEY, IL 61362-1505
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001211/407
Date	Jun 6, 2005
Book Page	1211/407
Instrument	053091

Lender

Name	AMCORE BANK NA
Type	Bank
Address	ROCKFORD, IL 61110

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	7.75%

March 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUREAU IL
Property Address	20 WESTMINSTER DR, SPRING VALLEY, IL 61362-1505
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001395/228
Date	Mar 12, 2009
Book Page	1395/228
Instrument	2009_01425

Lender

Name	FIRST STATE BANK
Type	Bank
Address	MENDOTA, IL 61342

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUREAU IL
Property Address	20 WESTMINSTER DR, SPRING VALLEY, IL 61362-1505
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R02201
Date	Jun 1, 2020
Instrument	2020R02201

Lender

Name	FIRST STATE BANK MENDOTA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2035

Interest

Rate Type	Fixed Rate

November 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUREAU IL
Recording Date	Nov 21, 2016
Property Address	20 WESTMINSTER DR, SPRING VALLEY, IL 61362-1505
Document Number	2016R04286
Instrument Date	Nov 14, 2016
Instrument	2016R04286
Transaction Type	Transfer
Record Updated	May 8, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$241.50
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
Address	114 PULASKI ST, SPRING VALLEY, IL 61362-1022

Mortgage

Document Number	2016R04287
Date	Nov 21, 2016
Instrument	2016R04287

Lender

Name	FIRST STATE BANK
Type	Bank
Address	MENDOTA, IL 61342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2046

Interest

Rate	3.5%

August 2010: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BUREAU IL
Recording Date	Aug 3, 2010
Property Address	20 WESTMINSTER DR, SPRING VALLEY, IL 61362-1505
Document Number	001469/236
Book / Page	1469 / 236
Instrument Date	Jul 30, 2010
Instrument	2010_03580
Transaction Type	Transfer
Record Updated	May 8, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$217.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	230 W CAROLINE ST, SPRING VALLEY, IL 61362-1920

Mortgage

Document Number	0201003581
Date	Aug 3, 2010
Instrument	2010_03581

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2040

January 2010: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BUREAU IL
Recording Date	Jan 11, 2010
Property Address	20 WESTMINSTER DR, SPRING VALLEY, IL 61362-1505
Document Number	001443/176
Book / Page	1443 / 176
Instrument Date	Jan 5, 2010
Instrument	2010_00144
Transaction Type	Transfer
Record Updated	May 8, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

June 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUREAU IL
Recording Date	Jun 16, 2005
Property Address	20 WESTMINSTER DR, SPRING VALLEY, IL 61362-1505
Document Number	001212/452
Book / Page	1212 / 452
Instrument Date	Jun 10, 2005
Instrument	053297
Transaction Type	Transfer
Record Updated	May 8, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$262.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	20 WESTMINSTER DR, SPRING VALLEY, IL 61362-1505

Mortgage

Document Number	0000053298
Date	Jun 16, 2005
Instrument	053298

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Jul 1, 2010
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	5-Year TN
Max Rate	11.2%

Tax Assessment & Valuation

Source: Bureau County assessment roll, as of May 8, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Bureau County
County Subdivision	Hall Township
Municipality	Spring Valley City
Secondary School District	Hall High School District 502 (09 - 12)
Elementary School District	Spring Valley Community Consolidated School District 99 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,592.00 (+12.84%)	$80,277 (+15.77%) Land $9,673 Building $70,604	$240,831 (+15.77%) Land $29,019 Building $211,812
2023		$69,342 Land $8,355 Building $60,987	$208,026 Land $25,065 Building $182,961
2022	$6,728.00

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 August 2, 2011 · 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	4 (1982–2013)
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, And Flooding

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 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	SPRING VALLEY serves 5,582 people · EPA ID IL0111000
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2026–2028) 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 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Geneseo Communications Services Fiber	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: IVNet, Nextlink.

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