208 E Bluff St, Winnebago, IL 61088 Property Records

Winnebago County property record for 208 E Bluff St, Winnebago, IL 61088 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 1900
Square Footage	2,786 sqft Living Area
Lot Size	25,740 sqft (0.591 acres)
Occupancy	Owner Occupied
Last Sale	$146,000 (2018)
Tax Bill	$4,733.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`14-09-302-010`
Alternative APN	`512D405`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	2,786 sqft Living Area
Gross Area	3,645 sqft Gross Area
1st Floor	1,085 sqft 1st Floor
Basement Area	616 sqft Basement
Stories	1 Stories

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame Construction
Foundation Type	No Foundation Foundation
Lot Area	25,740 sqft (0.591 acres)
Depth X Width	165 ft x 156 ft Depth x Width
Parking Spaces	5 Parking Spaces
Garage Area	1,488 sqft Garage
Deck Area	243 sqft Deck
Porch	Enclosed Porch

Utilities and HVAC

Heating System	Central Heating
Heating Fuel	Gas Heating Fuel

Location & Zoning

Account Number	512D405
Street Address	208 E BLUFF ST
City	WINNEBAGO
State	IL
Zip	61088-9677
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ORIGINAL PLAT OF WINNEBAGO LOTS 8-9 &S1/2 LOT 010 BLOCK 014
Legal Subdivision	WINNEBAGO
Legal Block	014
Legal Lot Number	8-10
Jurisdiction	WINNEBAGO IL
Minor Civil Division	WINNEBAGO
Census Blockgroup	2
Census Block	2015
Census Tract	4200

Owner

Source: Winnebago County records · APN 14-09-302-010

Assessment roll updated July 16, 2025 · Last verified May 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 File
Mailing Address	208 E BLUFF ST, WINNEBAGO, IL 61088-9677
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed of Trust, Mortgage · Line of Credit NONE LISTED ON DOCUMENT
May 01, 2020	Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) HOLCOMB BK
Jun 19, 2018	Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) HOLCOMB BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 19, 2018 · Amount on Record
Deed Sale	Jun 19, 2018 · Amount on Record
Prior Sale	Jun 19, 2018 · Amount on Record
Deed Doc Number	20181017045
Record Refreshed	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Recording Date	Apr 28, 2026
Property Address	208 E BLUFF ST, WINNEBAGO, IL 61088-9677
Document Number	0000010254
Instrument Date	Apr 10, 2026
Instrument	202610254
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 E BLUFF ST, WINNEBAGO, IL 61088-9677

Mortgage

Document Number	0000010254,
Date	Apr 28, 2026
Instrument	202610254

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	May 15, 2031

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Initial Type	Adjustable Rate
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	208 E BLUFF ST, WINNEBAGO, IL 61088-9677
Document Number	0001012987
Instrument Date	May 01, 2020
Transaction Type	Mortgage
Record Updated	Jun 10, 2020
Title Company	TITLE UNDERWRITERS AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 E BLUFF ST WINNEBAGO IL 610889677, WINNEBAGO, IL 61088-9677

Mortgage

Document Number	0001012987
Date	May 20, 2020
Instrument	1012987

Lender

Name	HOLCOMB BK
Address	ROCHELLE, IL 61068-0355

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	336 Months
Due	May 19, 2048

Interest

Rate	2.87%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jun 19, 2018
Property Address	208 E BLUFF ST, WINNEBAGO, IL 61088-9677
Document Number	0001017045
Instrument Date	Jun 18, 2018
Instrument	1017045
Transaction Type	Transfer
Record Updated	Oct 16, 2018
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$219.00
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 E BLUFF ST WINNEBAGO IL 610889677, WINNEBAGO, IL 61088-9677

Mortgage

Document Number	1017046
Date	Jun 19, 2018
Instrument	1017046

Lender

Name	HOLCOMB BK
Address	HOLCOMB, IL 61043

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2048

Interest

Rate	4.62%

Tax Assessment & Valuation

Source: Winnebago County records · Assessment roll updated July 16, 2025 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Winnebago County
County Subdivision	Winnebago Township
Municipality	Winnebago Village
Unified School District	Winnebago Community Unit School District 323 (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$4,733.00	$63,612 (+18.39%) Land $11,294 Building $52,318	$190,836 (+18.39%) Land $33,882 Building $156,954
2022	Homeowner's exemption	$53,730 Land $9,636 Building $44,094	$161,190 Land $28,908 Building $132,282

Flood & Wildfire

208 E Bluff St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · Winnebago County (17201C), updated July 12, 2023

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach of burnable land

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

208 E Bluff St, Winnebago, IL 61088 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2026: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

May 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

June 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

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