320 S Main St, Creston, IL 60113 Property Records

Ogle County property record for 320 S Main St, Creston, IL 60113

Property Summary

Property Type	Single Family Home
Details	1,887 sqft · built 1966
Lot Size	0.3 acres (13,066 sqft)
Owner	Individual Name on File
Last Sale	$62,500 (Jan 2016)
Tax Bill	$4,084 (2025)
Deeds & Mortgages	Jul 2026 Sale Jul 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25-23-289-002`

Property Details

APN / Parcel Number

Primary APN	`25-23-289-002`

Interior

Building Area	1,887 sqft Living Area

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Split Level
Lot Area	13,066 sqft (0.3 acres)
Lot Dimensions	123 ft deep x 99 ft wide

Location & Zoning

Street Address	320 S MAIN ST
City	CRESTON
State	IL
Zip	60113
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RNG/BLK: TWP:0 SECT/LOT: LOT 6 & S2 LOT 7 & W2 ALLEY ADJ BLK 12 VIL OF CRESTON
Legal Subdivision	VILLAGE CRESTON
Legal Block	12
Legal Lot Number	6-7
Jurisdiction	OGLE IL
Township / Civil Division	DEMENT
Census Block Group	1
Census Block	1103
Census Tract	961100

Owner

320 S Main St is owned and occupied by an individual who acquired it in October 2017.

Source: Ogle County records, as of July 2, 2026

Owner of Record	Individual Name on File
Mailing Address	320 S MAIN ST, CRESTON, IL 60113
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
Jul 9, 2026	Warranty Deed, Transfer
Jul 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MORTGAGE
Nov 13, 2020	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 5, 2017	Quit Claim Deed, Transfer REGISTER SETTLEMENT AND ESCROW S, TITLE SOURCE
Sep 14, 2017	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2016 · Amount on File
Deed Sale	Jan 29, 2016 · Amount on File
Prior Sale	Oct 28, 2014
Deed Document Number	2016452
Last Transfer Date	Oct 3, 2017
Transfer Doc	0000005837
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OGLE IL
Recording Date	Jul 9, 2026
Property Address	320 S MAIN ST, CRESTON, IL 60113
Document Number	0000003391
Instrument Date	Jun 30, 2026
Instrument	20263391
Transaction Type	Transfer
Record Updated	Aug 6, 2026

Transaction

Amount	Amount on Record
Tax	$43,177.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	320 S MAIN ST, CRESTON, IL 60113

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OGLE IL
Recording Date	Jul 9, 2026
Property Address	320 S MAIN ST, CRESTON, IL 60113
Document Number	0000003392
Instrument Date	Jun 30, 2026
Instrument	20263392
Transaction Type	Mortgage
Record Updated	Aug 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 171

Mortgage

Document Number	0000003392,
Date	Jul 9, 2026
Instrument	20263392

Lender

Name	MORTGAGE MORTGAGE

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OGLE IL
Property Address	320 S MAIN ST, CRESTON, IL 60113
Transaction Type	Mortgage
Record Updated	May 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008803
Date	Nov 13, 2020
Instrument	202008803

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OGLE IL
Recording Date	Oct 5, 2017
Property Address	320 S MAIN ST, CRESTON, IL 60113
Document Number	0000005837
Instrument Date	Oct 3, 2017
Instrument	5837
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	REGISTER SETTLEMENT AND ESCROW S, TITLE SOURCE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	320 S MAIN ST CRESTON IL 60113, CRESTON, IL 60113

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OGLE IL
Property Address	320 S MAIN ST, CRESTON, IL 60113
Document Number	0000005534
Instrument Date	Sep 14, 2017
Transaction Type	Mortgage
Record Updated	Nov 28, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	320 S MAIN ST CRESTON IL 60113, CRESTON, IL 60113

Mortgage

Document Number	0000005534
Date	Sep 25, 2017
Instrument	5534

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 24, 2047

Interest

Rate Type	Fixed Rate
Rate	3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 320 S Main St was $4,084.

Source: Ogle County assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Ogle County
County Subdivision	Dement Township
Municipality	Creston Village
Elementary School District	Creston Community Consolidated School District 161 (KG - 08)
Secondary School District	Rochelle Township High School District 212 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,084.00	$56,653 Land $10,746 Building $45,907	$169,959 Land $32,238 Building $137,721
2023		$47,585 Land $9,026 Building $38,559	$142,755 Land $27,078 Building $115,677
2022	$3,353.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 320 S Main St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective December 30, 2020 · 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 Policies	5 in force
Nearby Flood Claims	3 (1979–1996)
Most Recent Claim	May 1996 · 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 320 S Main 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 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	CRESTON serves 627 people · EPA ID IL1410150
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: T-Mobile.

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