225 E 7th St, Pecatonica, IL 61063 Property Records

Winnebago County property record for 225 E 7th St, Pecatonica, IL 61063

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,296 sqft · built 2008
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$138,000 (Nov 2022)
Tax Bill	$3,125 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Sep 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`09-28-309-004`

Property Details

APN / Parcel Number

Primary APN	`09-28-309-004`
Alternative APNs	`928309004` `460C345`

Interior

Full Baths	1 Bath
Building Area	1,296 sqft Living Area
Basement Area	1,296 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	320 sqft

Location & Zoning

Street Address	225 E 7TH ST
City	PECATONICA
State	IL
Zip	61063-9757
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NELSON REEDS ADDN TO THE TOWN OF PECATONICA LOT 002 BLOCK 002
Legal Subdivision	NELSON REEDS ADDN TO THE TOWN OF PECATON
Legal Block	002
Legal Lot Number	002
Jurisdiction	WINNEBAGO IL
Township / Civil Division	PECATONICA
Census Block Group	2
Census Block	2007
Census Tract	4300

Owner

Source: Winnebago County records, as of July 28, 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 Record
Mailing Address	225 E 7TH ST, PECATONICA, IL 61063-9757
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2022	Warranty Deed, Transfer · Conventional Mortgage EDUCATORS CU
Sep 22, 2022	Warranty Deed, Transfer OLD REPUBLIC TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2022 · Amount on Record
Deed Sale	Nov 17, 2022 · Amount on Record
Prior Sale	Sep 22, 2022 · Amount on Record
Deed Document Number	202234825
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Nov 17, 2022
Property Address	225 E 7TH ST, PECATONICA, IL 61063-9757
Document Number	0000034825
Map Reference	BK37 PG23
Instrument Date	Nov 16, 2022
Instrument	2234825
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	TULSA ABSTRACT AND TITLE COMPANY, TUA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$207.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 E 7TH ST, PECATONICA, IL 61063-9757

Mortgage

Document Number	0000034826
Date	Nov 17, 2022
Instrument	2234826

Lender

Name	EDUCATORS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	6.25%
Index	1-Year CMT
Max Rate	13.2%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Sep 22, 2022
Property Address	225 E 7TH ST, PECATONICA, IL 61063-9757
Document Number	0000029328
Map Reference	BK37 PG23
Instrument Date	Aug 12, 2022
Instrument	2229328
Transaction Type	Transfer
Record Updated	Oct 12, 2022
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$113.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 E 7TH ST, PECATONICA, IL 61063-9757

Tax Assessment & Valuation

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	$3,125.00	$54,199 (+38.05%) Land $4,880 Building $49,319	$162,597 (+38.05%) Land $14,640 Building $147,957
2022	Homeowner's exemption	$39,261 Land $3,852 Building $35,409	$117,783 Land $11,556 Building $106,227

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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	None beyond 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	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 274 locations within half a mile, as of December 31, 2025

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

May also be available: AaroBand.

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