320 Congress St, Ottawa, IL 61350 Property Records

LaSalle County property record for 320 Congress St, Ottawa, IL 61350

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,131 sqft · built 1897
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Aug 2025)
Tax Bill	$3,986 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-11-251-008`

Property Details

APN / Parcel Number

Primary APN	`21-11-251-008`
Alternative APN	`18-11-284-008`

Interior

Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	2,131 sqft Total Area

Exterior

Year Built	Built 1897
Effective Year Built	Effective 1897
Lot Area	7,405 sqft (0.17 acres)

Location & Zoning

Street Address	320 CONGRESS ST
City	OTTAWA
State	IL
Zip	61350-3012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWN OF OTTAWA, LT 9 BLK 102 SEC 11-33-3
Legal Range	03
Legal Township	33
Legal Section	11
Legal Subdivision	CANAL TRUSTEES SUB
Legal Block	102
Legal Lot Number	9
Jurisdiction	LASALLE IL
Township / Civil Division	OTTAWA
Census Block Group	5
Census Block	5006
Census Tract	962300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Ottawa East Side Historic District listed 2013 · 301 contributing resources · NRIS 13000718

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: LaSalle County records, as of June 29, 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	320 CONGRESS ST, OTTAWA, IL 61350-3012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2025 · Amount on Record
Deed Sale	Aug 8, 2025 · Amount on Record
Prior Sale	Aug 25, 2020 · Amount on Record
Deed Document Number	20258307
Prior Transfer Date	Apr 3, 2005
Prior Transfer Doc	200508761
Record Updated	Sep 20, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LASALLE IL
Recording Date	Aug 25, 2020
Property Address	320 CONGRESS ST, OTTAWA, IL 61350-3012
Document Number	202012872
Instrument Date	Aug 13, 2020
Instrument	202012872
Transaction Type	Transfer
Record Updated	Jun 7, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$231.75
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	320 CONGRESS ST, OTTAWA, IL 61350-3012

Mortgage

Document Number	0202012874
Date	Aug 25, 2020
Instrument	202012874

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	LaSalle County
County Subdivision	Ottawa Township
Municipality	Ottawa City
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	$3,986.00 (+9.21%)	$45,743 (+10.36%) Land $8,363 Building $37,380	$137,229 (+10.36%) Land $25,089 Building $112,140
2024	$3,650.00	$41,449 (+11.73%) Land $7,578 Building $33,871	$124,347 (+11.73%) Land $22,734 Building $101,613
2023		$37,097 (+10.18%) Land $6,782 Building $30,315	$111,291 (+10.18%) Land $20,346 Building $90,945
2022		$33,669 Land $9,923 Building $23,746	$101,007 Land $29,769 Building $71,238

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	38 (1979–2020)
Claims Outside the SFHA	13 of 38
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 8 claims Severe Storms And Flooding, Sep 2008 · 9 claims

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 80% of the US · above 71% of Illinois
Wildfire Likelihood	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	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 272 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fixed Wireless	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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