2935 Tracy St, Pecatonica, IL 61063 Property Records

Winnebago County property record for 2935 Tracy St, Pecatonica, IL 61063

Property Summary

Property Type	Single Family Home
Details	1,179 sqft · built 1948
Lot Size	0.47 acres (20,473 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Aug 2026)
Tax Bill	$3,562 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Mar 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`489B001`

Property Details

APN / Parcel Number

Primary APN	`489B001`
Alternative APN	`1321152005`

Interior

Building Area	1,179 sqft Living Area

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Lot Area	20,473 sqft (0.47 acres)
Garage Type	Attached
Garage Area	488 sqft

Location & Zoning

Street Address	2935 TRACY ST
City	SEWARD
State	IL
Zip	61077
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	CRULLS ADD TO SEWARD LOTS 1 + 002 BLOCK 001
Legal Subdivision	CRULLS ADD
Legal Block	001
Legal Lot Number	1,002
Jurisdiction	WINNEBAGO IL
Township / Civil Division	SEWARD
Census Block Group	3
Census Block	3048
Census Tract	4300

Owner

2935 Tracy St is owned and occupied by an individual who bought it in August 2026.

Source: Winnebago County records, as of September 11, 2026

Owner of Record	Individual Name on File
Mailing Address	2935 TRACY ST, SEWARD, IL 61077
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
Aug 31, 2026	Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE
Mar 21, 2022	Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD
Feb 9, 2022	Warranty Deed, Transfer
Jun 16, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage GENERATIONS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2026 · Amount on File
Deed Sale	Aug 31, 2026 · Amount on File
Prior Sale	Mar 21, 2022 · Amount on File
Deed Document Number	202622910
Prior Transfer Date	May 12, 2020
Prior Transfer Doc	0001015735
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Aug 31, 2026
Property Address	2935 TRACY ST, SEWARD, IL 61077
Document Number	0000022910
Instrument Date	Aug 28, 2026
Instrument	202622910
Transaction Type	Transfer
Record Updated	Sep 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$33,330.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2935 TRACY ST, SEWARD, IL 61077

Mortgage

Document Number	0000022911,
Date	Aug 31, 2026
Instrument	202622911

Lender

Name	ENVOY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	7.13%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000022912,
Date	Aug 31, 2026
Instrument	202622912

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY

Agreement

Amount	Amount on Record

Interest

Max Rate	-1%

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Mar 21, 2022
Property Address	2935 TRACY ST, PECATONICA, IL 61063
Document Number	0000008869
Map Reference	BK3 PG 17
Instrument Date	Feb 28, 2022
Instrument	2208869
Transaction Type	Transfer
Record Updated	Apr 13, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Tax	$199.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2935 TRACY ST, SEWARD, IL 61077

Mortgage

Document Number	0000008870
Date	Mar 21, 2022
Instrument	2208870

Lender

Name	ENVOY MORTGAGE LTD

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Mortgage

Document Number	0000008871
Date	Mar 21, 2022
Instrument	2208871

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Feb 9, 2022
Property Address	2935 TRACY ST, PECATONICA, IL 61063
Document Number	0000004155
Map Reference	BK32 PG 53
Instrument Date	Dec 16, 2021
Instrument	2204155
Transaction Type	Transfer
Record Updated	Apr 13, 2022

Transaction

Amount	Amount on Record
Tax	$180.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	16175 7TH ST, PECATONICA, IL 61063-9453

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jun 16, 2020
Property Address	2935 TRACY ST, PECATONICA, IL 61063
Document Number	0001015734
Instrument Date	May 12, 2020
Instrument	1015734
Transaction Type	Transfer
Record Updated	Jul 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 133 SEWARD IL 610770133, SEWARD, IL 61077-0133

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	2935 TRACY ST, PECATONICA, IL 61063
Document Number	0001032219
Instrument Date	Dec 27, 2017
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2935 TRACY ST SEWARD IL 61077, SEWARD, IL 61077

Mortgage

Document Number	0001032219
Date	Sep 26, 2019
Instrument	1032219

Lender

Name	GENERATIONS CU
Type	Credit Union
Address	ROCKFORD, IL 61108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 25, 2034

Interest

Rate Type	Fixed Rate
Rate	3.95%

Tax Assessment & Valuation

The 2025 property tax bill for 2935 Tracy St was $3,562 with a homeowner's exemption, down 0.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,562.00 (-0.2%) Homeowner's exemption	$53,344 (+7.41%) Land $9,026 Building $44,318	$160,032 (+7.41%) Land $27,078 Building $132,954
2024	$3,569.00	$49,664 Land $8,403 Building $41,261	$148,992 Land $25,209 Building $123,783
2022		$42,105 Land $7,124 Building $34,981	$126,315 Land $21,372 Building $104,943

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 2935 Tracy St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2009.

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 Claims	5 (2009–2019)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Mar 2019 · river or lake 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.

Wildfire

Wildfire risk around 2935 Tracy 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AaroBand Fixed Wireless	200 / 50
Rise Broadband Fixed Wireless	100 / 20
Verizon Fixed Wireless	25 / 6

May also be available: AT&T, Frontier, JCWIFI.com.

Cell Coverage

5G and 4G LTE (outdoors only)

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