Stephenson County property record for 2196 Cardinal Dr, Freeport, IL 61032
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,200 sqft · built 1970 |
| Lot Size | 0.51 acres (22,216 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,646 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-13-13-476-004 |
| Primary APN | 08-13-13-476-004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,200 sqft Base Area |
| 1st Floor Area | 2,200 sqft |
| Basement Area | 1,100 sqft |
| Finished Basement | 550 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1975 |
| Lot Area | 22,216 sqft (0.51 acres) |
| Lot Dimensions | 1,600 ft deep x 1,400 ft wide |
| Garage Type | Attached |
| Garage Area | 1,152 sqft |
| Parking Spaces | 4 Parking Spaces |
| Street Address | 2196 CARDINAL DR |
|---|---|
| City | FREEPORT |
| State | IL |
| Zip | 61032-9195 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 29 NORTHERN HILLS 1ST SUB |
| Legal Subdivision | NORTHERN HILLS FIRST SUBDIVISION |
| Legal Lot Number | 29 |
| Jurisdiction | STEPHENSON IL |
| Township / Civil Division | HARLEM |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 500 |
2196 Cardinal Dr is owned and occupied by an individual.
Source: Stephenson County records, as of July 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2196 CARDINAL DR, FREEPORT, IL 61032-9195 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 2196 Cardinal Dr was $3,646 with exemptions applied.
Source: Stephenson County assessment roll, as of July 6, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Stephenson County |
| County Subdivision | Harlem Township |
| Unified School District | Freeport School District 145 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,646.00 | $51,389 Land $7,033 Building $44,356 | $154,167 Land $21,099 Building $133,068 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2196 Cardinal Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2008.
Source: FEMA National Flood Hazard Layer, effective March 16, 2015 · 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 (2008–2019) |
| Most Recent Claim | Mar 2019 · Severe Storms 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.
The area around 2196 Cardinal Dr 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | IL AMERICAN-NORTHERN HILL private · serves 600 people · EPA ID IL1775050 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2023 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 151 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| JCWIFI.com Fixed Wireless | 200 / 200 |
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