3765 Lakeview Dr, Winnebago, IL 61088 Property Records

Winnebago County property record for 3765 Lakeview Dr, Winnebago, IL 61088

Property Summary

Property Type	Single Family Home
Details	1,900 sqft · built 2007
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Mar 2026)
Tax Bill	$7,401 (2024)
Deeds & Mortgages	Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-25-455-006`

Property Details

APN / Parcel Number

Primary APN	`09-25-455-006`

Interior

Building Area	1,900 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	520 sqft

Location & Zoning

Street Address	3765 LAKEVIEW DR
City	WINNEBAGO
State	IL
Zip	61088-8021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PCD
Legal Description	WESTLAKE TOWNHOME ASSOCIATION SUB PT SE1/4 SEC 25-27-10 LOT 23
Legal Range	10
Legal Township	27
Legal Section	25
Legal Subdivision	WESTLAKE TOWNHOME ASSOCIATION SUB
Legal Lot Number	23
Jurisdiction	WINNEBAGO IL
Township / Civil Division	PECATONICA
Census Block Group	4
Census Block	4021
Census Tract	4300

Owner

Source: Winnebago County records, as of March 27, 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	4224 STAGE COACH TRL, ROCKFORD, IL 61101-6131
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2026 · Amount on Record
Deed Sale	Mar 12, 2026 · Amount on Record
Prior Sale	May 13, 2015 · Amount on Record
Deed Document Number	20266225
Record Updated	Jun 8, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Mar 12, 2026
Property Address	3765 LAKEVIEW DR, WINNEBAGO, IL 61088-8021
Document Number	0000006225
Map Reference	PB 49 PG 55B
Instrument Date	Mar 5, 2026
Instrument	2606225
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$585.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3765 LAKEVIEW DR, WINNEBAGO, IL 61088-8021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3765 LAKEVIEW DR, WINNEBAGO, IL 61088-8021

Mortgage

Document Number	0000006226
Date	Mar 12, 2026
Instrument	2606226

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	4.88%
Max Rate At Change	7.88%
Index	1-Year CMT
Max Rate	11.8%

Mortgage

Document Number	0000006227
Date	Mar 12, 2026
Instrument	2606227

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2041

Interest

Rate Type	Fixed Rate
Rate	6.63%

Tax Assessment & Valuation

Source: Winnebago County assessment roll, as of July 16, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	$7,401.00	$109,921 (+17.95%) Land $9,135 Building $100,786	$329,763 (+17.95%) Land $27,405 Building $302,358
2022	Homeowner's exemption	$93,190 Land $7,744 Building $85,446	$279,570 Land $23,232 Building $256,338

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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-WESTLAKE private · serves 1,493 people · EPA ID IL2010070
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	1 ppb (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	1 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 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AaroBand.

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