406 N Locust St, Forreston, IL 61030 Property Records

Ogle County property record for 406 N Locust St, Forreston, IL 61030

Property Summary

Property Type	Single Family Home
Details	1,060 sqft · built 1906
Lot Size	0.6 acres (26,156 sqft)
Owner	Individual Name on Record
Last Sale	$1,500 (Jan 2009)
Tax Bill	$1,228 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Jul 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`02-28-405-006`

Property Details

APN / Parcel Number

Primary APN	`02-28-405-006`

Interior

Stories	2 Stories
Building Area	1,060 sqft Living Area

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Lot Area	26,156 sqft (0.6 acres)

Location & Zoning

Street Address	406 N LOCUST ST
City	FORRESTON
State	IL
Zip	61030-9234
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 13 EX W60 OF S10 LT 14 & S6 LT15 & PT VAC ALLEY BLK 7 VIL OF FORRESTON
Legal Subdivision	ILLINOIS CENTRAL RAILROAD ADD
Legal Block	7
Legal Lot Number	13-14
Jurisdiction	OGLE IL
Township / Civil Division	FORRESTON
Census Block Group	3
Census Block	3048
Census Tract	960800

Owner

Source: Ogle County records, as of July 21, 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	406 LOCUST ST, FORRESTON, IL 61030
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage SOLUTIONS BANK
Jul 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS STATE BANK
Apr 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS STATE BANK
Apr 20, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS ST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 2, 2009 · Amount on Record
Deed Sale	Jan 2, 2009 · Amount on Record
Deed Document Number	2009900003
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OGLE IL
Property Address	406 N LOCUST ST, FORRESTON, IL 61030-9234
Transaction Type	Mortgage
Record Updated	Sep 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004811
Date	Aug 19, 2022
Instrument	202204811

Lender

Name	SOLUTIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Aug 6, 2027

Interest

Rate Type	Adjustable Rate

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OGLE IL
Property Address	406 N LOCUST ST, FORRESTON, IL 61030-9234
Transaction Type	Mortgage
Record Updated	Aug 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004202
Date	Jul 19, 2022
Instrument	202204202

Lender

Name	CITIZENS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 12, 2027

Interest

Rate Type	Fixed Rate

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OGLE IL
Property Address	406 N LOCUST ST, FORRESTON, IL 61030-9234
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SECURITY FIRST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002087
Date	Apr 17, 2017
Instrument	201702087

Lender

Name	CITIZENS STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Apr 4, 2022

Interest

Rate Type	Fixed Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OGLE IL
Property Address	406 N LOCUST ST, FORRESTON, IL 61030-9234
Document Number	0000002668
Instrument Date	Apr 20, 2020
Transaction Type	Mortgage
Record Updated	Jun 4, 2020
Title Company	SECURITY FIRST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 N LOCUST ST FORRESTON IL 610309234, FORRESTON, IL 61030-9234

Mortgage

Document Number	0000002668
Date	May 7, 2020
Instrument	2668

Lender

Name	CITIZENS ST BK
Type	Bank
Address	LENA, IL 61048

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	May 6, 2025

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Ogle County
County Subdivision	Forreston Township
Municipality	Forreston Village
Unified School District	Forrestville Valley Community Unit School District 221 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,228.00 (-11.14%)	$39,362 (+26.69%) Land $5,627 Building $33,735	$118,086 (+26.69%) Land $16,881 Building $101,205
2023		$31,070 Land $2,985 Building $28,085	$93,210 Land $8,955 Building $84,255
2022	$1,382.00

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 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	FORRESTON serves 1,338 people · EPA ID IL1410200
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	1 ppb (2023–2025) 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 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35
JCWIFI.com Fixed Wireless	200 / 200
AaroBand Fixed Wireless	100 / 50
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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