404 N 3rd St, Oregon, IL 61061 Property Records

Ogle County property record for 404 N 3rd St, Oregon, IL 61061

Property Summary

Property Type	Single Family Home
Details	2,352 sqft · built 1916
Lot Size	0.199 acres (8,681 sqft)
Owner	Individual Name on Record
Tax Bill	$4,095 (2025)
Deeds & Mortgages	Sep 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`16-03-114-009`

Property Details

APN / Parcel Number

Primary APN	`16-03-114-009`

Interior

Stories	2 Stories
Building Area	2,352 sqft Living Area
Basement Area	1,176 sqft
Unfinished Basement	1,176 sqft

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Lot Area	8,681 sqft (0.199 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	684 sqft

Location & Zoning

Street Address	404 N 3RD ST
City	OREGON
State	IL
Zip	61061-1225
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RNG/BLK: TWP:0 SECT/LOT: LOT 9 BLK 63 B T PHELPSS ADD CITY OF OREGON
Legal Subdivision	PHELPSS ADD
Legal Block	63
Legal Lot Number	9
Jurisdiction	OGLE IL
Township / Civil Division	OREGON-NASHUA
Census Block Group	1
Census Block	1010
Census Tract	961400

Owner

Source: Ogle County records, as of October 20, 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	404 N 3RD ST, OREGON, IL 61061-1225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OGLE IL
Property Address	404 N 3RD ST, OREGON, IL 61061-1225
Document Number	0000005072
Instrument Date	Sep 4, 2018
Transaction Type	Mortgage
Record Updated	Oct 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	404 N 3RD ST OREGON IL 610611225, OREGON, IL 61061-1225

Mortgage

Document Number	0000005072
Date	Sep 13, 2018
Instrument	5072

Lender

Name	HOLCOMB BK
Address	ROCHELLE, IL 61068-0355

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Sep 12, 2023

Interest

Rate Type	Adjustable Rate
Rate	6.5%

Tax Assessment & Valuation

Source: Ogle County assessment roll, as of April 28, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,095.00 (+35.91%)	$58,230 (+19.17%) Land $7,491 Building $50,739	$174,690 (+19.17%) Land $22,473 Building $152,217
2023		$48,861 Land $6,502 Building $42,359	$146,583 Land $19,506 Building $127,077
2022	$3,013.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 30, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2022 · 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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 168 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
Starlink Satellite	280 / 30

May also be available: LR Communications, Verizon.

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