324 E Chestnut St, Pontiac, IL 61764 Property Records

Livingston County property record for 324 E Chestnut St, Pontiac, IL 61764

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,640 sqft · built 1920
Lot Size	0.384 acres (16,740 sqft)
Owner	2 Individual Names on File
Last Sale	$167,500 (Jan 2013)
Tax Bill	$5,961 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-15-22-233-011`

Property Details

APN / Parcel Number

Primary APN	`15-15-22-233-011`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,640 sqft Living Area
Basement Area	1,176 sqft
Unfinished Basement	1,176 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Wood
Lot Area	16,740 sqft (0.384 acres)
Lot Dimensions	120 ft deep x 139 ft wide
Garage Type	Detached
Garage Area	320 sqft

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Street Address	324 E CHESTNUT ST
City	PONTIAC
State	IL
Zip	61764-1106
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15-22-233-011 LOT 139.5 X 120 LOTS 1 & 2 & E25 LOT 3 BLK 5 HUMISTONS ADD
Legal Subdivision	HUMISTONS ADD
Legal Block	5
Legal Lot Number	1-3,139
Jurisdiction	LIVINGSTON IL
Township / Civil Division	PONTIAC
Census Block Group	2
Census Block	2014
Census Tract	960600

Owner

324 E Chestnut St is owned and occupied by two individuals who bought it in January 2013.

Source: Livingston County records, as of June 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	324 E CHESTNUT ST, PONTIAC, IL 61764-1106
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
Jun 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF PONTIAC
Apr 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF PONTIAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2013 · Amount on File
Deed Sale	Jan 25, 2013 · Amount on File
Prior Sale	Jun 2, 2010 · Amount on File
Deed Document Number	2013621141
Prior Transfer Date	Sep 3, 2010
Prior Transfer Doc	604645
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON IL
Property Address	324 E CHESTNUT ST, PONTIAC, IL 61764-1106
Transaction Type	Mortgage
Record Updated	Jul 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R03050
Date	Jun 16, 2021
Instrument	2021R-03050

Lender

Name	BANK OF PONTIAC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Dec 1, 2026

Interest

Rate Type	Fixed Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON IL
Property Address	324 E CHESTNUT ST, PONTIAC, IL 61764-1106
Transaction Type	Mortgage
Record Updated	Apr 22, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R01306
Date	Apr 8, 2020
Instrument	2020R-01306

Lender

Name	BANK OF PONTIAC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2035

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 324 E Chestnut St was $5,961 with a homeowner's exemption, up 9.1% from the year before.

Source: Livingston County assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Livingston County
County Subdivision	Pontiac Township
Municipality	Pontiac City
Elementary School District	Pontiac Community Consolidated School District 429 (PK - 08)
Secondary School District	Pontiac Township High School District 90 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,961.00 (+9.12%) Homeowner's exemption	$74,013 (+13.7%) Land $12,233 Building $61,780	$222,039 (+13.7%) Land $36,699 Building $185,340
2024	$5,463.00	$65,095 Land $10,759 Building $54,336	$195,285 Land $32,277 Building $163,008

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

FEMA maps place 324 E Chestnut St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective July 14, 2021 · 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	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Mar 1979 · rainfall accumulation

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

The area around 324 E Chestnut St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	IL AMERICAN-PONTIAC private · serves 11,864 people · EPA ID IL1055030
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	2 ppb (2025) action level 15 ppb
Copper	1.36 mg/L (2015–2017) action level 1.3 mg/L

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 464 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pavlov Media Fiber	8,000 / 8,000
Conxxus Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, Watch TV.

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