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

Ogle County property record for 406 N 3rd St, Oregon, IL 61061

Property Summary

Property Type	Single Family Home
Details	1,522 sqft · built 1924
Lot Size	0.217 acres (9,469 sqft)
Owner	Company Name on File
Tax Bill	$3,938 (2025)
Deeds & Mortgages	Apr 2026 Transfer Sep 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`16-03-114-008`

Property Details

APN / Parcel Number

Primary APN	`16-03-114-008`

Interior

Stories	1 Story
Building Area	1,522 sqft Living Area
Basement Area	1,015 sqft
Unfinished Basement	1,015 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Lot Area	9,469 sqft (0.217 acres)
Lot Dimensions	132 ft deep x 72 ft wide
Garage Type	Detached
Garage Area	400 sqft

Location & Zoning

Street Address	406 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 10 & S 6 FT LOT 11 BLK 63 B T PHELPSS ADD CITY OF OREGON BK 92-8917
Legal Subdivision	PHELPSS ADD
Legal Block	63
Legal Lot Number	10-11
Jurisdiction	OGLE IL
Township / Civil Division	OREGON-NASHUA
Census Block Group	1
Census Block	1010
Census Tract	961400

Owner

406 N 3rd St is owned by a company that acquired it in April 2026.

Source: Ogle County records, as of October 20, 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	Company Name on File
Mailing Address	200 N WALNUT ST, BYRON, IL 61010-8803
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2026	Transfer on Death Deed, Transfer
Sep 14, 2023	Deed of Trust, Mortgage · Line of Credit BYRON BANK
Mar 8, 2023	Deed of Trust, Mortgage · Line of Credit BYRON BANK
Oct 14, 2022	Deed of Trust, Mortgage · Line of Credit BYRON BANK
Jun 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage BYRON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2026
Deed Sale	Apr 15, 2026
Prior Sale	Apr 27, 2009 · Amount on File
Deed Document Number	2026202601797
Prior Transfer Date	Apr 14, 2026
Prior Transfer Doc	0000001797
Record Updated	Oct 29, 2026

April 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	OGLE IL
Recording Date	Apr 15, 2026
Property Address	406 N 3RD ST, OREGON, IL 61061-1225
Document Number	0000001797
Instrument Date	Apr 14, 2026
Instrument	20261797
Transaction Type	Transfer
Record Updated	Jul 12, 2026

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 N 3RD ST, OREGON, IL 61061-1225
Investor	Possibly a Property Investor

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OGLE IL
Property Address	406 N 3RD ST, OREGON, IL 61061-1225
Transaction Type	Mortgage
Record Updated	Oct 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004060
Date	Sep 14, 2023
Instrument	202304060

Lender

Name	BYRON BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	9.5%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OGLE IL
Property Address	406 N 3RD ST, OREGON, IL 61061-1225
Transaction Type	Mortgage
Record Updated	Mar 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000915
Date	Mar 8, 2023
Instrument	202300915

Lender

Name	BYRON BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	8.75%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OGLE IL
Property Address	406 N 3RD ST, OREGON, IL 61061-1225
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005870
Date	Oct 14, 2022
Instrument	202205870

Lender

Name	BYRON BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	6.5%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OGLE IL
Property Address	406 N 3RD ST, OREGON, IL 61061-1225
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003525
Date	Jun 23, 2017
Instrument	201703525

Lender

Name	BYRON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2032

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 406 N 3rd St was $3,938.

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	$3,938.00	$46,610 Land $8,172 Building $38,438	$139,830 Land $24,516 Building $115,314
2023		$38,592 Land $6,502 Building $32,090	$115,776 Land $19,506 Building $96,270
2022	$3,064.00

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

Flood

FEMA maps place 406 N 3rd 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 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

Wildfire risk around 406 N 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.

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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