206 E 12th St, Pecatonica, IL 61063 Property Records

Winnebago County property record for 206 E 12th St, Pecatonica, IL 61063

Property Summary

Property Type	Single Family Home
Details	1,232 sqft · built 1980
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Jan 2020)
Tax Bill	$4,330 (2025)
Deeds & Mortgages	Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-28-358-006`

Property Details

APN / Parcel Number

Primary APN	`09-28-358-006`
Alternative APNs	`928358006` `460C506`

Interior

Building Area	1,232 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	616 sqft

Location & Zoning

Street Address	206 E 12TH ST
City	PECATONICA
State	IL
Zip	61063-9360
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OMALIAS SUB PLAT 2 LOT 006
Legal Subdivision	OMALIAS SUB PLAT 2
Legal Lot Number	006
Jurisdiction	WINNEBAGO IL
Township / Civil Division	PECATONICA
Census Block Group	2
Census Block	2032
Census Tract	4300

Owner

206 E 12th St is owned and occupied by two individuals who bought it in January 2020.

Source: Winnebago County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	206 E 12TH ST, PECATONICA, IL 61063-9360
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2020 · Amount on File
Deed Sale	Jan 23, 2020 · Amount on File
Deed Document Number	20201002114
Record Updated	Oct 29, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jan 23, 2020
Property Address	206 E 12TH ST, PECATONICA, IL 61063-9360
Document Number	0001002114
Instrument Date	Jan 22, 2020
Instrument	1002114
Transaction Type	Transfer
Record Updated	Feb 7, 2020
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	206 E 12TH ST PECATONICA IL 610639360, PECATONICA, IL 61063-9360

Mortgage

Document Number	1002115
Date	Jan 23, 2020
Instrument	1002115

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 22, 2050

Interest

Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 206 E 12th St was $4,330 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Winnebago County
County Subdivision	Pecatonica Township
Municipality	Pecatonica Village
Unified School District	Pecatonica Community Unit School District 321 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,330.00	$65,864 Land $7,684 Building $58,180	$197,592 Land $23,052 Building $174,540
2022	Homeowner's exemption	$51,988 Land $6,066 Building $45,922	$155,964 Land $18,198 Building $137,766

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 206 E 12th St in Zone X, an area of minimal flood risk.

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	2 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

Wildfire risk around 206 E 12th 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 98% of the US · lower than 86% 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	PECATONICA serves 2,195 people · EPA ID IL2010250
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	3 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 107 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
JCWIFI.com Fixed Wireless	200 / 200
AT&T Fixed Wireless	100 / 20