2201 Spencer Pl, Ottawa, IL 61350 Property Records

LaSalle County property record for 2201 Spencer Pl, Ottawa, IL 61350

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,800 sqft · built 1940
Lot Size	0.446 acres (19,438 sqft)
Owner	2 Individual Names on File
Last Sale	$193,000 (Nov 2018)
Tax Bill	$7,306 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`21-02-103-021`

Property Details

APN / Parcel Number

Primary APN	`21-02-103-021`
Alternative APN	`18-02-128-021`

Interior

Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	1,800 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	19,438 sqft (0.446 acres)

Location & Zoning

Street Address	2201 SPENCER PL
City	OTTAWA
State	IL
Zip	61350-1136
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BERRYS SUB, LTS 65 & 66 (EX N10') SEC 2-33-3
Legal Range	03
Legal Township	33
Legal Section	02
Legal Subdivision	ASSESSORS SUB OF NW 1/4 SEC 2-33-3 RESUB
Legal Lot Number	65-66
Jurisdiction	LASALLE IL
Township / Civil Division	OTTAWA
Census Block Group	3
Census Block	3089
Census Tract	962600

Owner

2201 Spencer Pl is owned and occupied by two individuals who bought it in November 2018.

Source: LaSalle County records, as of June 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2201 SPENCER PL, OTTAWA, IL 61350-1136
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
Apr 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK-OTTAWA
Apr 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OTTAWA
Sep 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OTTAWA
Dec 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK
Nov 2, 2018	Deed, Transfer · Conventional Mortgage FIRST STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2018 · Amount on File
Deed Sale	Nov 2, 2018 · Amount on File
Deed Document Number	201814770
Prior Transfer Date	Nov 24, 2004
Prior Transfer Doc	200501819
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LASALLE IL
Recording Date	Apr 15, 2026
Property Address	2201 SPENCER PL, OTTAWA, IL 61350-1136
Document Number	0202603552
Instrument Date	Apr 9, 2026
Instrument	20263552
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2201 SPENCER PL, OTTAWA, IL 61350-1136

Mortgage

Document Number	0000003552,
Date	Apr 15, 2026
Instrument	20263552

Lender

Name	FIRST STATE BANK-OTTAWA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Apr 9, 2031

Interest

Rate Type	Fixed Rate
Rate	7.75%
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LASALLE IL
Property Address	2201 SPENCER PL, OTTAWA, IL 61350-1136
Transaction Type	Mortgage
Record Updated	May 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202105995
Date	Apr 19, 2021
Instrument	2021-05995

Lender

Name	FIRST STATE BANK OTTAWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Apr 14, 2026

Interest

Rate Type	Fixed Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LASALLE IL
Property Address	2201 SPENCER PL, OTTAWA, IL 61350-1136
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201912523
Date	Sep 30, 2019
Instrument	201912523

Lender

Name	FIRST STATE BANK OTTAWA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LASALLE IL
Property Address	2201 SPENCER PL, OTTAWA, IL 61350-1136
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202018492
Date	Dec 1, 2020
Instrument	2020-18492

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	LASALLE IL
Recording Date	Nov 2, 2018
Property Address	2201 SPENCER PL, OTTAWA, IL 61350-1136
Document Number	201814770
Instrument Date	Oct 24, 2018
Instrument	201814770
Transaction Type	Transfer
Record Updated	Jun 7, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$289.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2201 SPENCER PL, OTTAWA, IL 61350-1136

Mortgage

Document Number	201814771
Date	Nov 2, 2018
Instrument	201814771

Lender

Name	FIRST STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2201 Spencer Pl was $7,306, up 7.9% from the year before.

Source: LaSalle County assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	LaSalle County
County Subdivision	Ottawa Township
Elementary School District	Ottawa Elementary School District 141 (PK - 08)
Secondary School District	Ottawa Township High School District 140 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,306.00 (+7.95%)	$103,299 (+10.36%) Land $8,754 Building $94,545	$309,897 (+10.36%) Land $26,262 Building $283,635
2024	$6,768.00	$93,602 (+11.73%) Land $7,932 Building $85,670	$280,806 (+11.73%) Land $23,796 Building $257,010
2023		$83,775 (+10.18%) Land $7,099 Building $76,676	$251,325 (+10.18%) Land $21,297 Building $230,028
2022		$76,035 Land $13,764 Building $62,271	$228,105 Land $41,292 Building $186,813

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 2201 Spencer Pl in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 29, 2024 · 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
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	6 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 2201 Spencer Pl 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 99.1% of the US · lower than 94% 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	OTTAWA serves 18,097 people · EPA ID IL0990800
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Jul 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fixed Wireless	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Surf Internet.

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