308 E Bluff St, Winnebago, IL 61088 Property Records

Winnebago County property record for 308 E Bluff St, Winnebago, IL 61088

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,304 sqft · built 1992
Lot Size	85 acres (3,702,600 sqft)
Owner	Individual Name on Record
Last Sale	$171,000 (Apr 2021)
Deeds & Mortgages	Aug 2023 Mortgage Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-09-303-011`

Property Details

APN / Parcel Number

Primary APN	`14-09-303-011`
Alternative APN	`513C205`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,304 sqft Living Area
Basement Area	1,152 sqft
Finished Basement	1,152 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	3,702,600 sqft (85 acres)
Garage Area	624 sqft
Driveway	Driveway
Driveway Area	144 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Old Parcel Number	513C205
Street Address	308 E BLUFF ST
City	WINNEBAGO
State	IL
Zip	61088-9679
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ANDERSON-KISSACK SUB BNG REPLAT OF PTBLK 21 TOWN OF WINNEBAGO & PT SW1/4 SEC 9-26-11 LOT 5
Legal Range	11
Legal Township	26
Legal Section	09
Legal Subdivision	ANDERSON-KISSACK SUB
Legal Block	21
Legal Lot Number	5
Jurisdiction	WINNEBAGO IL
Township / Civil Division	WINNEBAGO
Census Block Group	2
Census Block	2014
Census Tract	4200

Owner

Source: Winnebago County records, as of May 13, 2024

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	308 E BLUFF ST, WINNEBAGO, IL 61088-9679
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2023	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Apr 9, 2021	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
Aug 23, 2017	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2021 · Amount on Record
Deed Sale	Apr 9, 2021 · Amount on Record
Prior Sale	Aug 23, 2017 · Amount on Record
Deed Document Number	202101205
Record Updated	Jun 7, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	308 E BLUFF ST, WINNEBAGO, IL 61088-9679
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019581
Date	Aug 25, 2023
Instrument	2319581

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2053

Interest

Rate Type	Fixed Rate
Rate	9.4%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Apr 9, 2021
Property Address	308 E BLUFF ST, WINNEBAGO, IL 61088-9679
Document Number	0000012055
Map Reference	PB 39 PG 16A
Instrument Date	Mar 30, 2021
Instrument	2112055
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	SECURITY FIRST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$256.50
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	308 E BLUFF ST, WINNEBAGO, IL 61088-9679

Mortgage

Document Number	0000012056
Date	Apr 9, 2021
Instrument	2112056

Lender

Name	NAVY FCU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	2.88%

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Aug 23, 2017
Property Address	308 E BLUFF ST, WINNEBAGO, IL 61088-9679
Document Number	0001025810
Instrument Date	Aug 21, 2017
Instrument	1025810
Transaction Type	Transfer
Record Updated	Sep 7, 2017
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$216.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 E BLUFF ST WINNEBAGO IL 610889679, WINNEBAGO, IL 61088-9679

Mortgage

Document Number	1025811
Date	Aug 23, 2017
Instrument	1025811

Lender

Name	WINTRUST MTG
Type	Mortgage Company
Address	ROSEMONT, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2047

Interest

Rate	3.99%

Tax Assessment & Valuation

Source: Winnebago County assessment roll, as of January 1, 2022

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2022	Homeowner's exemption	$59,247 Land $9,071 Building $50,176	$177,741 Land $27,213 Building $150,528

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	WINNEBAGO serves 2,940 people · EPA ID IL2010500
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	6 ppb (2025) 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 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Silo Communications Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50

May also be available: AaroBand, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E Bluff St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures