401 N 3rd St, Warsaw, IL 62379 Property Records

Hancock County property record for 401 N 3rd St, Warsaw, IL 62379

Property Summary

Property Type	Single Family Home
Lot Size	0.265 acres (11,577 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (May 2026)
Tax Bill	$3,707 (2025)
Deeds & Mortgages	Dec 2024 Line of Credit May 2026 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-04-267-000`

Property Details

APN / Parcel Number

Primary APN	`15-04-267-000`

Exterior

Lot Area	11,577 sqft (0.265 acres)

Location & Zoning

Street Address	401 N 3RD ST
City	WARSAW
State	IL
Zip	62379-1011
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S04 T4 R9 RALSTON'S ADD LOT 1 & 30' OFF S SI LOT 2 BLK 12 WARSAW
Legal Range	09
Legal Township	04
Legal Section	04
Legal Subdivision	RALSTON'S ADD
Legal Block	12
Legal Lot Number	1-2
Jurisdiction	HANCOCK IL
Township / Civil Division	WARSAW
Census Block Group	1
Census Block	1007
Census Tract	954200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Warsaw Historic District listed 1977 · 93 contributing resources · NRIS 77000486

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Hancock County records, as of October 6, 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	401 N 3RD ST, WARSAW, IL 62379-1011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2024	Deed of Trust, Mortgage · Line of Credit CONNECTION BANK
May 28, 2026	Warranty Deed, Transfer · Line of Credit PILOT GROVE SAVINGS BANK
May 28, 2026	Warranty Deed, Transfer · Line of Credit PILOT GROVE SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2026 · Amount on Record
Deed Sale	May 28, 2026 · Amount on Record
Deed Document Number	20261236
Record Updated	Oct 29, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK IL
Property Address	401 N 3RD ST, WARSAW, IL 62379-1011
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 N 3RD ST, WARSAW, IL 62379-1011

Mortgage

Document Number	0020242607
Date	Dec 2, 2024
Instrument	2024-2607

Lender

Name	CONNECTION BANK
Type	Bank
Address	KEOKUK, IA 52632

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK IL
Recording Date	May 28, 2026
Property Address	401 N 3RD ST, WARSAW, IL 62379-1011
Document Number	0000001236
Instrument Date	May 27, 2026
Instrument	20261236
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$39,390.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 N 3RD ST, WARSAW, IL 62379-1011

Mortgage

Document Number	0000001237,
Date	May 28, 2026
Instrument	20261237

Lender

Name	PILOT GROVE SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Aug 6, 2031

Interest

Rate	6.5%
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK IL
Recording Date	May 28, 2026
Property Address	401 N 3RD ST, WARSAW, IL 62379-1011
Document Number	0020261236
Instrument Date	May 27, 2026
Instrument	20261236
Transaction Type	Transfer
Record Updated	Oct 6, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$39,390.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 N 3RD ST, WARSAW, IL 62379-1011

Mortgage

Document Number	0000001236,
Date	May 28, 2026
Instrument	20261236

Lender

Name	PILOT GROVE SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Aug 6, 2031

Interest

Rate	6.5%
Max Rate	-1%

Tax Assessment & Valuation

Source: Hancock County assessment roll, as of July 20, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Hancock County
County Subdivision	Warsaw Township
Municipality	Warsaw City
Unified School District	Warsaw Community Unit School District 316 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,707.00 Homeowner's exemption	$50,752 (-) Land $2,488 Building $48,264	$152,256 (-) Land $7,464 Building $144,792
2024	$3,707.00 (+19.54%)	$50,752 (+17.53%) Land $2,488 Building $48,264
2023			$152,256 (+17.53%) Land $7,464 Building $144,792
2022	$3,101.00 Homeowner's exemption	$43,182 (+13.39%) Land $2,117 Building $41,065	$129,546 (+13.39%) Land $6,351 Building $123,195
2021		$38,083 Land $1,867 Building $36,216	$114,249 Land $5,601 Building $108,648

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 16, 2009 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	50 (1979–2019)
Claims Outside the SFHA	5 of 50
Most Recent Claim	Jun 2019 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2019 · 16 claims Severe Storms & Flooding, Jul 1993 · 27 claims

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 80% of the US · above 71% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WARSAW serves 1,480 people · EPA ID IL0670650
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	3 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	3 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 158 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MTC Communications Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on N 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures