LaSalle County property record for 34 Waterside Way, Ottawa, IL 61350
| Property Type | Single Family Home |
|---|---|
| Details | 852 sqft · built 2021 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $459,000 (Feb 2025) |
| Tax Bill | $13,603 (2025) |
| Deeds & Mortgages | Nov 2025 Construction Loan Sep 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 15-44-313-007 |
| Primary APN | 15-44-313-007 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 852 sqft Total Area |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Lot Area | 3,485 sqft (0.08 acres) |
| Street Address | 34 WATERSIDE WAY |
|---|---|
| City | OTTAWA |
| State | IL |
| Zip | 61350-9036 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BOATHOUSE AT HERITAGE HARBOR OTTAWA PUD, LT 27 SEC 8-33-4 |
| Legal Range | 04 |
| Legal Township | 33 |
| Legal Section | 08 |
| Legal Subdivision | BONA TERRA SUB |
| Legal Lot Number | 27 |
| Jurisdiction | LASALLE IL |
| Township / Civil Division | RUTLAND |
| Census Block Group | 5 |
| Census Block | 5025 |
| Census Tract | 962300 |
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 | 3654 OLD BRIDGE LN, ELGIN, IL 60124-3125 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 18, 2025 | Deed of Trust, Mortgage · Construction Mortgage LOWER LLC |
| Sep 14, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Feb 4, 2021 | Quit Claim Deed, Transfer · Commercial Mortgage SPRING VALLEY CITY BANK |
| Jun 7, 2017 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 5, 2025 · Amount on Record |
| Deed Sale | Feb 5, 2025 · Amount on Record |
| Prior Sale | Sep 14, 2021 · Amount on Record |
| Deed Document Number | 20251091 |
| Prior Transfer Date | Jan 21, 2021 |
| Prior Transfer Doc | 0202101871 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LASALLE IL |
| Property Address | 34 WATERSIDE WAY, OTTAWA, IL 61350-9036 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2025 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0202512374 |
|---|---|
| Date | Nov 18, 2025 |
| Instrument | 2025-12374 |
| Name | LOWER LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 1, 2040 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.88% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LASALLE IL |
| Recording Date | Sep 14, 2021 |
| Property Address | 34 WATERSIDE WAY, OTTAWA, IL 61350-9036 |
| Document Number | 0202114344 |
| Instrument Date | Sep 1, 2021 |
| Instrument | 2021-14344 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 17, 2022 |
| Title Company | WHEATLAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $539.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1851 OLD CHICAGO RD, 1851, OTTAWA, IL 61350-9705 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2244 TREMONT AVE, AURORA, IL 60502-9001 |
| Document Number | 0202114345 |
|---|---|
| Date | Sep 14, 2021 |
| Instrument | 2021-14345 |
| Name | GUARANTEED RATE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 3.5% |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LASALLE IL |
| Recording Date | Feb 4, 2021 |
| Property Address | 34 WATERSIDE WAY, OTTAWA, IL 61350-9036 |
| Document Number | 0202101871 |
| Instrument Date | Jan 21, 2021 |
| Instrument | 2021-01871 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1851 OLD CHICAGO RD, OTTAWA, IL 61350-9705 |
| Document Number | 0202101872 |
|---|---|
| Date | Feb 4, 2021 |
| Instrument | 2021-01872 |
| Name | SPRING VALLEY CITY BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 4% |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | LASALLE IL |
| Recording Date | Jun 7, 2017 |
| Property Address | 34 WATERSIDE WAY, OTTAWA, IL 61350-9036 |
| Document Number | 0201708072 |
| Instrument Date | Jun 7, 2017 |
| Instrument | 201708072 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $172.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 400 OLD NORTH RD, SPRING VALLEY, IL 61362-9300 |
Source: LaSalle County assessment roll, as of June 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | LaSalle County |
| County Subdivision | Rutland Township |
| Municipality | Ottawa City |
| Secondary School District | Ottawa Township High School District 140 (09 - 12) |
| Elementary School District | Rutland Community Consolidated School District 230 (KG - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,603.00 (+5.61%) | $149,018 (+8.81%) Land $39,729 Building $109,289 | $447,054 (+8.81%) Land $119,187 Building $327,867 |
| 2024 | $12,881.00 | $136,952 (+11.1%) Land $36,512 Building $100,440 | $410,856 (+11.1%) Land $109,536 Building $301,320 |
| 2023 | $123,269 (+1.7%) Land $32,864 Building $90,405 | $369,807 (+1.7%) Land $98,592 Building $271,215 | |
| 2022 | $121,208 Land $30,980 Building $90,228 | $363,624 Land $92,940 Building $270,684 |
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.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · above 42% of Illinois |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 118 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surf Internet Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable · Fixed Wireless | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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