322 E 10th St, Pecatonica, IL 61063 Property Records

Winnebago County property record for 322 E 10th St, Pecatonica, IL 61063

Property Summary

Property Type	Single Family Home
Details	1,166 sqft · built 1958
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$173,000 (Feb 2026)
Tax Bill	$3,377 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-28-353-009`

Property Details

APN / Parcel Number

Primary APN	`09-28-353-009`
Alternative APNs	`928353009` `460C396`

Interior

Building Area	1,166 sqft Living Area
Basement Area	1,166 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	461 sqft

Location & Zoning

Account Number	460C396
Street Address	322 E 10TH ST
City	PECATONICA
State	IL
Zip	61063-9539
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NELSON REEDS ADDN TO THE TOWN OF PECATONICA S 1/2 VAC ALLEY LYG N OF & ADJ LOT 11 WITH ALL LOT 011 BLOCK 007
Legal Subdivision	NELSON REEDS ADDN TO THE TOWN OF PECATON
Legal Block	7
Legal Lot Number	11
Jurisdiction	WINNEBAGO IL
Township / Civil Division	PECATONICA
Census Block Group	2
Census Block	2022
Census Tract	4300

Owner

Source: Winnebago County records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	322 E 10TH ST, PECATONICA, IL 61063-9539
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST NORTHERN CU
May 23, 2019	Warranty Deed, Transfer · Conventional with PMI FIRST NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2026 · Amount on Record
Deed Sale	Feb 9, 2026 · Amount on Record
Prior Sale	May 23, 2019 · Amount on Record
Deed Document Number	20263314
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Feb 9, 2026
Property Address	322 E 10TH ST, PECATONICA, IL 61063-9539
Document Number	0000003314
Map Reference	BK37PG23
Instrument Date	Jan 30, 2026
Instrument	2603314
Transaction Type	Transfer
Record Updated	Mar 11, 2026
Title Company	AT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$259.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	322 E 10TH ST, PECATONICA, IL 61063-9539

Mortgage

Document Number	0000003315
Date	Feb 9, 2026
Instrument	2603315

Lender

Name	FIRST NORTHERN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.63%

Mortgage

Document Number	0000003316
Date	Feb 9, 2026
Instrument	2603316

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	May 23, 2019
Property Address	322 E 10TH ST, PECATONICA, IL 61063-9539
Document Number	0001017723
Instrument Date	May 9, 2019
Instrument	1017723
Transaction Type	Transfer
Record Updated	Jun 26, 2019
Title Company	SECURITY FIRST TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$164.25
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 E 10TH ST PECATONICA IL 610639539, PECATONICA, IL 61063-9539

Mortgage

Document Number	1017724
Date	May 23, 2019
Instrument	1017724

Lender

Name	FIRST NAT'L BK
Type	Bank
Address	BELOIT, WI 53511

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 22, 2049

Mortgage

Document Number	1017726,
Date	May 23, 2019
Instrument	1017726

Lender

Name	ILLINOIS HSNG DEV AUTHORITY
Address	CHICAGO, IL 60601

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Winnebago County
County Subdivision	Pecatonica Township
Municipality	Pecatonica Village
Unified School District	Pecatonica Community Unit School District 321 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,377.00 (+0.93%) Homeowner's exemption	$52,678 (+7.41%) Land $6,676 Building $46,002	$158,034 (+7.41%) Land $20,028 Building $138,006
2024	$3,346.00 Homeowner's exemption	$49,043 (+17.95%) Land $6,215 Building $42,828	$147,129 (+17.95%) Land $18,645 Building $128,484
2022	Homeowner's exemption	$41,579 Land $5,269 Building $36,310	$124,737 Land $15,807 Building $108,930

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 · 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	2 in force

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 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	PECATONICA serves 2,195 people · EPA ID IL2010250
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	3 ppb (2026–2028) 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 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
JCWIFI.com Fixed Wireless	200 / 200

May also be available: AaroBand.

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