405 E Oak St, Chatsworth, IL 60921 Property Records

Livingston County property record for 405 E Oak St, Chatsworth, IL 60921

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,052 sqft · built 1910
Lot Size	0.344 acres (15,000 sqft)
Owner	2 Individual Names on File
Last Sale	$111,000 (Sep 2019)
Tax Bill	$4,684 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-27-03-376-003`

Property Details

APN / Parcel Number

Primary APN	`27-27-03-376-003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,052 sqft Living Area
Basement Area	144 sqft
Unfinished Basement	144 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Roof Material	Asphalt
Lot Area	15,000 sqft (0.344 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	576 sqft

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Street Address	405 E OAK ST
City	CHATSWORTH
State	IL
Zip	60921-9247
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	27-03-376-003 LOT 100 X 150 LOTS 5 & 6 BLK 3 JOHN SULLIVAN'S ADD
Legal Subdivision	JOHN SULLIVAN'S ADD
Legal Block	3
Legal Lot Number	5,6
Jurisdiction	LIVINGSTON IL
Township / Civil Division	CHATSWORTH
Census Block Group	2
Census Block	2088
Census Tract	961000

Owner

405 E Oak St is owned and occupied by two individuals who bought it in September 2019.

Source: Livingston County records, as of June 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	405 E OAK ST, CHATSWORTH, IL 60921-9247
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF PONTIAC
Sep 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF PONTIAC
Sep 30, 2019	Warranty Deed, Transfer · Conventional Mortgage BANK OF PONTIAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2019 · Amount on File
Deed Sale	Sep 30, 2019 · Amount on File
Deed Document Number	20193808
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON IL
Property Address	405 E OAK ST, CHATSWORTH, IL 60921-9247
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R03880
Date	Oct 3, 2019
Instrument	2019R-03880

Lender

Name	BANK OF PONTIAC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Apr 1, 2025

Interest

Rate Type	Fixed Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON IL
Property Address	405 E OAK ST, CHATSWORTH, IL 60921-9247
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019R03569
Date	Sep 18, 2019
Instrument	2019R-03569

Lender

Name	BANK OF PONTIAC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Apr 1, 2025

Interest

Rate Type	Fixed Rate

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Sep 30, 2019
Property Address	405 E OAK ST, CHATSWORTH, IL 60921-9247
Document Number	2019R03808
Instrument Date	Sep 16, 2019
Instrument	2019R-03808
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$166.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	405 E OAK ST, CHATSWORTH, IL 60921-9247

Mortgage

Document Number	2019R03809
Date	Sep 30, 2019
Instrument	2019R-03809

Lender

Name	BANK OF PONTIAC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 405 E Oak St was $4,684 with a homeowner's exemption.

Source: Livingston County assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Livingston County
County Subdivision	Chatsworth Township
Municipality	Chatsworth Town
Unified School District	Prairie Central Community Unit School District 8 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,684.00	$51,180 Land $2,091 Building $49,089	$153,540 Land $6,273 Building $147,267

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

FEMA maps place 405 E Oak St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 14, 2021

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

Wildfire risk around 405 E Oak 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.

Drinking Water

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

Water System	CHATSWORTH serves 1,200 people · EPA ID IL1050100
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Mediacom Xtream Cable	1,000 / 50

May also be available: Nextlink, Watch TV.

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