Winnebago County property record for 305 E Bluff St, Winnebago, IL 61088 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1890 |
| Square Footage | 3,600 sqft Living Area |
| Lot Size | 11,880 sqft (0.273 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $179,000 (2024) |
| Tax Bill | $4,024.00 (2025) |
| Primary APN | 512D397 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 3,600 sqft Living Area |
| Gross Area | 3,770 sqft Gross Area |
| 1st Floor | 1,000 sqft 1st Floor |
| Basement Area | 1,000 sqft Basement |
| Finished Basement | 1,000 sqft Finished |
| Stories | 1 Stories |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Construction Type | Frame Construction |
| Lot Area | 11,880 sqft (0.273 acres) |
| Depth X Width | 180 ft x 66 ft Depth x Width |
| Driveway | Driveway |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 576 sqft Garage |
| Deck Area | 140 sqft Deck |
| Heating System | Central Heating |
|---|---|
| Heating Fuel | Gas Heating Fuel |
| Account Number | 512D397 |
|---|---|
| Street Address | 305 E BLUFF ST |
| City | WINNEBAGO |
| State | IL |
| Zip | 61088-9680 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ORIGINAL PLAT OF WINNEBAGO LOT 003 BLOCK 020 |
| Legal Subdivision | WINNEBAGO |
| Legal Block | 020 |
| Legal Lot Number | 003 |
| Jurisdiction | WINNEBAGO IL |
| Minor Civil Division | WINNEBAGO |
| Census Blockgroup | 2 |
| Census Block | 2014 |
| Census Tract | 4200 |
Source: Winnebago County records · APN 512D397
Assessment roll updated July 28, 2026 · Last verified August 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 | 305 E BLUFF ST, WINNEBAGO, IL 61088-9680 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 19, 2024 · Amount on Record |
| Deed Sale | Nov 19, 2024 · Amount on Record |
| Deed Doc Number | 202428551 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 305 E BLUFF ST, WINNEBAGO, IL 61088-9680 |
| Transaction Type | Mortgage |
| Record Updated | Nov 03, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000030909 |
|---|---|
| Date | Oct 07, 2022 |
| Instrument | 2230909 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 05, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.14% |
Source: Winnebago County records · Assessment roll updated July 28, 2026 · Last verified August 2026
| 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) |
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 |
|---|---|---|---|
| 2025 | $4,024.00 | $54,651 (+31.49%) Land $5,903 Building $48,748 | $163,953 (+31.49%) Land $17,709 Building $146,244 |
| 2022 | Homeowner's exemption | $41,564 Land $4,535 Building $37,029 | $124,692 Land $13,605 Building $111,087 |
Source: FEMA National Flood Hazard Layer, Winnebago County (17201C), updated July 12, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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