Ogle County property record for 401 S 3rd St, Oregon, IL 61061
| Property Type | Single Family Home |
|---|---|
| Details | 3,472 sqft |
| Lot Size | 0.199 acres (8,680 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $249,000 (Jan 2024) |
| Tax Bill | $4,803 (2025) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage Apr 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-03-326-001 |
| Primary APN | 16-03-326-001 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,472 sqft Living Area |
| Basement Area | 1,811 sqft |
| Unfinished Basement | 1,811 sqft |
| Lot Area | 8,680 sqft (0.199 acres) |
|---|---|
| Lot Dimensions | 132 ft deep x 66 ft wide |
| Street Address | 401 S 3RD ST |
|---|---|
| City | OREGON |
| State | IL |
| Zip | 61061-1822 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RNG/BLK: 10 TWP:23 SECT/LOT:3 N 4RD W 8RD SW4 E OF 3RD ST S & ADJ LOT 6 BLK 31 C A HIGGINS SUBD |
| Legal Range | 10 |
| Legal Township | 23 |
| Legal Section | 03 |
| Legal Subdivision | HIGGINS SUBD |
| Legal Block | 10,31 |
| Legal Lot Number | 3,6 |
| Jurisdiction | OGLE IL |
| Township / Civil Division | OREGON-NASHUA |
| Census Block Group | 3 |
| Census Block | 3035 |
| Census Tract | 961400 |
401 S 3rd St is owned and occupied by two individuals who bought it in January 2024.
Source: Ogle County records, as of May 19, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 401 S 3RD ST, OREGON, IL 61061-1822 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 30, 2024 | Warranty Deed, Transfer · FHA Mortgage MORTGAGE LINK CO |
| Apr 4, 2023 | Deed of Trust, Mortgage · Commercial Mortgage CENTRAL BANK ILLINOIS |
| Jun 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK |
| Sep 11, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK ILLINOIS |
| Oct 27, 2017 | Deed of Trust, Mortgage · Line of Credit CENTRAL BK/IL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 30, 2024 · Amount on File |
| Deed Sale | Jan 30, 2024 · Amount on File |
| Prior Sale | Oct 17, 2013 · Amount on File |
| Deed Document Number | 2024421 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OGLE IL |
| Recording Date | Jan 30, 2024 |
| Property Address | 401 S 3RD ST, OREGON, IL 61061-1822 |
| Document Number | 0000000421 |
| Instrument Date | Jan 26, 2024 |
| Instrument | 202400421 |
| Transaction Type | Transfer |
| Record Updated | Feb 14, 2024 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $373.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 401 S 3RD ST, OREGON, IL 61061-1822 |
| Document Number | 0000000422 |
|---|---|
| Date | Jan 30, 2024 |
| Instrument | 202400422 |
| Name | MORTGAGE LINK CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OGLE IL |
| Property Address | 401 S 3RD ST, OREGON, IL 61061-1822 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000001300 |
|---|---|
| Date | Apr 4, 2023 |
| Instrument | 202301300 |
| Name | CENTRAL BANK ILLINOIS |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Apr 10, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OGLE IL |
| Property Address | 401 S 3RD ST, OREGON, IL 61061-1822 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000004389 |
|---|---|
| Date | Jun 16, 2021 |
| Instrument | 202104389 |
| Name | CENTRAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jun 1, 2022 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OGLE IL |
| Property Address | 401 S 3RD ST, OREGON, IL 61061-1822 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000005259 |
|---|---|
| Date | Sep 11, 2017 |
| Instrument | 201705259 |
| Name | CENTRAL BANK ILLINOIS |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 30, 2027 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OGLE IL |
| Property Address | 401 S 3RD ST, OREGON, IL 61061-1822 |
| Document Number | 0000006536 |
| Instrument Date | Oct 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 342 OREGON IL 610610342, OREGON, IL 61061-0342 |
| Document Number | 0000006536 |
|---|---|
| Date | Nov 9, 2017 |
| Instrument | 6536 |
| Name | CENTRAL BK/IL |
|---|---|
| Type | Bank |
| Address | ROCHELLE, IL 61068 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 8, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
The 2025 property tax bill for 401 S 3rd St was $4,803.
Source: Ogle County assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Ogle County |
| County Subdivision | Oregon-Nashua Township |
| Municipality | Oregon City |
| Unified School District | Oregon Community Unit School District 220 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,803.00 | $55,528 Land $7,491 Building $48,037 | $166,584 Land $22,473 Building $144,111 |
| 2023 | $46,606 (+8.04%) Land $6,502 Building $40,104 | $139,818 (+8.04%) Land $19,506 Building $120,312 | |
| 2022 | $3,313.00 | $43,138 Land $6,018 Building $37,120 | $129,414 Land $18,054 Building $111,360 |
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.
FEMA maps place 401 S 3rd St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 30, 2020
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 401 S 3rd St is low, with less than a 0.01% annual chance of 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OREGON serves 3,449 people · EPA ID IL1410400 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| 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 522 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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