406 Phelps St, Oregon, IL 61061 Property Records

Ogle County property record for 406 Phelps St, Oregon, IL 61061

Property Summary

Property Type	Single Family Home
Details	1,096 sqft · built 1936
Lot Size	0.199 acres (8,699 sqft)
Owner	Individual Name on File
Last Sale	$35,000 (Jun 2026)
Tax Bill	$5,869 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-03-108-002`

Property Details

APN / Parcel Number

Primary APN	`16-03-108-002`

Interior

Stories	1 Story
Building Area	1,096 sqft Living Area
Basement Area	1,096 sqft
Unfinished Basement	1,096 sqft

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Lot Area	8,699 sqft (0.199 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	400 sqft

Location & Zoning

Street Address	406 PHELPS ST
City	OREGON
State	IL
Zip	61061-1235
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RNG/BLK: TWP:0 SECT/LOT: W 66 FT LOTS 5 & 6 BLK 5 BENNETTS ADD CITY OF OREGON
Legal Subdivision	BENNETTS ADD
Legal Block	5
Legal Lot Number	5-6
Jurisdiction	OGLE IL
Township / Civil Division	OREGON-NASHUA
Census Block Group	1
Census Block	1013
Census Tract	961400

Owner

406 Phelps St is owned and occupied by an individual who bought it in June 2026.

Source: Ogle County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	406 PHELPS ST, OREGON, IL 61061-1235
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
Jun 2, 2026	Quit Claim Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC
Jul 24, 2020	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2026 · Amount on File
Deed Sale	Jun 2, 2026 · Amount on File
Prior Sale	Jul 24, 2020 · Amount on File
Deed Document Number	2026202602668
Prior Transfer Date	Jul 22, 2020
Prior Transfer Doc	0000005067
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OGLE IL
Recording Date	Jun 2, 2026
Property Address	406 PHELPS ST, OREGON, IL 61061-1235
Document Number	0000002668
Instrument Date	May 14, 2026
Instrument	20262668
Transaction Type	Transfer
Record Updated	Aug 29, 2026

Transaction

Amount	Amount on Record
Tax	$5,302.50
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 PHELPS ST, OREGON, IL 61061-1235

Mortgage

Date	Jun 2, 2026

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OGLE IL
Recording Date	Jul 24, 2020
Property Address	406 PHELPS ST, OREGON, IL 61061-1235
Document Number	0000005067
Instrument Date	Jul 22, 2020
Instrument	5067
Transaction Type	Transfer
Record Updated	Aug 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$158.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	406 PHELPS ST OREGON IL 610611235, OREGON, IL 61061-1235

Mortgage

Document Number	5068
Date	Jul 24, 2020
Instrument	5068

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 23, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

Tax Assessment & Valuation

The 2025 property tax bill for 406 Phelps St was $5,869.

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	$5,869.00	$66,513 Land $7,491 Building $59,022	$199,539 Land $22,473 Building $177,066
2023		$55,778 Land $6,731 Building $49,047	$167,334 Land $20,193 Building $147,141
2022	$4,704.00

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

Flood

FEMA maps place 406 Phelps 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

The area around 406 Phelps St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 135 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

Cell Coverage

5G (outdoors only) and 4G LTE

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