405 Jefferson St, Pecatonica, IL 61063 Property Records

Winnebago County property record for 405 Jefferson St, Pecatonica, IL 61063

Property Summary

Property Type	Single Family Home
Details	1,320 sqft · built 1940
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Trust Names on File
Last Sale	$21,700 (Apr 2020)
Tax Bill	$1,685 (2025)
Deeds & Mortgages	Feb 2026 Transfer Apr 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-28-176-008`

Property Details

APN / Parcel Number

Primary APN	`09-28-176-008`
Alternative APNs	`928176008` `460B297`

Interior

Building Area	1,320 sqft Living Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	5,663 sqft (0.13 acres)

Location & Zoning

Street Address	405 JEFFERSON ST
City	PECATONICA
State	IL
Zip	61063-9109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	O G WELLS ADDN S 51.3 FT LOTS 1 + 002
Legal Subdivision	O G WELLS ADDN
Legal Lot Number	1,002
Jurisdiction	WINNEBAGO IL
Township / Civil Division	PECATONICA
Census Block Group	2
Census Block	2002
Census Tract	4300

Owner

405 Jefferson St is held in a trust since February 2026.

Source: Winnebago County records, as of July 28, 2026

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

Owner of Record	2 Trust Names on File
Mailing Address	11435 CUNNINGHAM RD, WINNEBAGO, IL 61088-8530
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2026	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Apr 20, 2020	Deed of Trust, Mortgage · Line of Credit HOLCOMB BK
Apr 14, 2020	Grant Deed, Transfer TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING
Nov 5, 2019	Trustee's Deed, Foreclosure PREMIER TITLE COMPANY, PREMIER TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2020 · Amount on File
Deed Sale	Apr 14, 2020 · Amount on File
Prior Sale	Apr 14, 2020 · Amount on File
Deed Document Number	20201009624
Last Transfer Date	Feb 25, 2026
Transfer Doc	0000004895
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WINNEBAGO IL
Recording Date	Feb 27, 2026
Property Address	405 JEFFERSON ST, PECATONICA, IL 61063-9109
Document Number	0000004895
Map Reference	PB 181 PG 240
Instrument Date	Feb 25, 2026
Instrument	2604895
Transaction Type	Transfer
Record Updated	Mar 25, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11435 CUNNINGHAM RD, WINNEBAGO, IL 61088-8530

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11435 CUNNINGHAM RD, WINNEBAGO, IL 61088-8530

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	405 JEFFERSON ST, PECATONICA, IL 61063-9109
Document Number	0001011475
Instrument Date	Apr 20, 2020
Transaction Type	Mortgage
Record Updated	May 25, 2020
Title Company	TITLE UNDERWRITERS AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11435 CUNNINGHAM RD WINNEBAGO IL 610888530, WINNEBAGO, IL 61088-8530

Mortgage

Document Number	0001011475
Date	May 4, 2020
Instrument	1011475

Lender

Name	HOLCOMB BK
Address	ROCHELLE, IL 61068

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	May 3, 2025

Interest

Rate Type	Adjustable Rate

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Apr 14, 2020
Property Address	405 JEFFERSON ST, PECATONICA, IL 61063-9109
Document Number	0001009624
Instrument Date	Mar 20, 2020
Instrument	1009624
Transaction Type	Transfer
Record Updated	Jun 3, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount on Record
Tax	$33.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11436 CUNNIGHAM RD BELVIDERE IL 61008, BELVIDERE, IL 61008

November 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Nov 5, 2019
Property Address	405 JEFFERSON ST, PECATONICA, IL 61063-9109
Document Number	0001036967
Instrument Date	Oct 30, 2019
Instrument	1036967
Transaction Type	Foreclosure
Record Updated	Nov 27, 2019
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 405 Jefferson St was $1,685.

Source: Winnebago County assessment roll, as of July 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,685.00	$29,299 Land $2,072 Building $27,227	$87,897 Land $6,216 Building $81,681
2022	Homeowner's exemption	$23,125 Land $1,635 Building $21,490	$69,375 Land $4,905 Building $64,470

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

Flood

FEMA maps place 405 Jefferson St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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

Wildfire risk around 405 Jefferson St is low, with 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	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	PECATONICA serves 2,195 people · EPA ID IL2010250
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	3 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
JCWIFI.com Fixed Wireless	200 / 200

May also be available: AaroBand.

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