202 E Howard St, Pontiac, IL 61764 Property Records

Livingston County property record for 202 E Howard St, Pontiac, IL 61764

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,380 sqft · built 1890
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Sep 2021)
Tax Bill	$3,146 (2025)
Deeds & Mortgages	Sep 2021 Sale Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-15-22-427-001`

Property Details

APN / Parcel Number

Primary APN	`15-15-22-427-001`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	2,380 sqft Building Perimeter
Basement Area	2,380 sqft
Unfinished Basement	2,380 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	120 ft deep x 120 ft wide

Location & Zoning

Street Address	202 E HOWARD ST
City	PONTIAC
State	IL
Zip	61764-1920
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15 22 427 001 LOT 120 X 120 LOTS 3 & 4 BLK 40 CITY OF PONTIAC
Legal Block	40
Legal Lot Number	3,4
Jurisdiction	LIVINGSTON IL
Township / Civil Division	PONTIAC
Census Block Group	3
Census Block	3016
Census Tract	960600

Owner

202 E Howard St is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	202 E HOWARD ST, PONTIAC, IL 61764-1920
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
Sep 28, 2021	Deed, Transfer
Sep 28, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK OF PONTIAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2021 · Amount on File
Deed Sale	Sep 28, 2021 · Amount on File
Deed Document Number	20214825
Prior Transfer Date	Sep 27, 2021
Prior Transfer Doc	2021R04824
Record Updated	Sep 20, 2026

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Sep 28, 2021
Property Address	202 E HOWARD ST, PONTIAC, IL 61764-1920
Document Number	2021R04824
Instrument Date	Sep 27, 2021
Instrument	2021R-04824
Transaction Type	Transfer
Record Updated	Jun 19, 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	202 E HOWARD ST, PONTIAC, IL 61764-1920

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Sep 28, 2021
Property Address	202 E HOWARD ST, PONTIAC, IL 61764-1920
Document Number	2021R04825
Instrument Date	Sep 23, 2021
Instrument	2021R-04825
Transaction Type	Transfer
Record Updated	Jun 19, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$127.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	903 W CUSTER AVE, PONTIAC, IL 61764-1068

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	202 E HOWARD ST, PONTIAC, IL 61764-1920

Mortgage

Document Number	2021R04826
Date	Sep 28, 2021
Instrument	2021R-04826

Lender

Name	BANK OF PONTIAC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 202 E Howard St was $3,146 with a homeowner's exemption, up 10.3% from the year before.

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	$3,146.00 (+10.31%) Homeowner's exemption	$41,900 (+13.7%) Land $11,076 Building $30,824	$125,700 (+13.7%) Land $33,228 Building $92,472
2024	$2,852.00	$36,851 Land $9,741 Building $27,110	$110,553 Land $29,223 Building $81,330

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 202 E Howard St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1982.

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 Policies	4 in force
Nearby Flood Claims	6 (1982–2008)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jan 2008 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jan 2008 · 4 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

The area around 202 E Howard St has no burnable land within ember reach, so its wildfire risk is not rated.

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	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 483 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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