406 N Thomas Ave, Polo, IL 61064 Property Records

Ogle County property record for 406 N Thomas Ave, Polo, IL 61064

Property Summary

Property Type	Single Family Home
Lot Size	0.292 acres (12,719 sqft)
Owner	Individual Name on Record
Tax Bill	$4,226 (2025)
Deeds & Mortgages	May 2026 Mortgage Nov 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-09-381-001`

Property Details

APN / Parcel Number

Primary APN	`14-09-381-001`

Exterior

Lot Area	12,719 sqft (0.292 acres)

Location & Zoning

Street Address	406 N THOMAS AVE
City	POLO
State	IL
Zip	61064-1325
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RNG/BLK: TWP:0 SECT/LOT: LOTS 7 & 8 BLK 1 BURNS & GOODHUE ADD CITY OF POLO
Legal Subdivision	BURNS & GOODHUE ADD
Legal Block	1
Legal Lot Number	7-8
Jurisdiction	OGLE IL
Township / Civil Division	BUFFALO
Census Block Group	2
Census Block	2011
Census Tract	961500

Owner

Source: Ogle County records, as of May 19, 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 N THOMAS AVE, POLO, IL 61064-1325
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage STERLING BANK AND TRUST FSB
Nov 27, 2023	Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jul 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage STERLING BANK & TRUST FSB

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OGLE IL
Recording Date	May 22, 2026
Property Address	406 N THOMAS AVE, POLO, IL 61064-1325
Document Number	0000002490
Instrument Date	May 18, 2026
Instrument	20262490
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 N THOMAS AVE, POLO, IL 61064-1325

Mortgage

Document Number	0000002490,
Date	May 22, 2026
Instrument	20262490

Lender

Name	STERLING BANK AND TRUST FSB

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	May 18, 2033

Interest

Rate Type	Adjustable Rate
Rate	3.48%
Initial Type	Adjustable Rate
Max Rate	-1%

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	OGLE IL
Recording Date	Nov 27, 2023
Property Address	406 N THOMAS AVE, POLO, IL 61064-1325
Document Number	0000005170
Instrument Date	Nov 14, 2023
Instrument	202305170
Transaction Type	Transfer
Record Updated	Dec 13, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	406 N THOMAS AVE, POLO, IL 61064-1325

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 N THOMAS AVE, POLO, IL 61064-1325

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OGLE IL
Property Address	406 N THOMAS AVE, POLO, IL 61064-1325
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003748
Date	Jul 11, 2019
Instrument	201903748

Lender

Name	STERLING BANK & TRUST FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	Buffalo Township
Municipality	Polo City
Unified School District	Polo Community Unit School District 222 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,226.00 (+14.03%)	$57,195 (+2.26%) Land $7,086 Building $50,109	$171,585 (+2.26%) Land $21,258 Building $150,327
2023		$55,932 (+4.36%) Land $6,454 Building $49,478	$167,796 (+4.36%) Land $19,362 Building $148,434
2022	$3,706.00	$53,596 Land $6,563 Building $47,033	$160,788 Land $19,689 Building $141,099

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

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 79% 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	POLO serves 2,355 people · EPA ID IL1410450
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (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 91 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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