407 Clay St, Ottawa, IL 61350 Property Records

LaSalle County property record for 407 Clay St, Ottawa, IL 61350

Property Summary

Property Type	Single Family Home
Details	1,974 sqft · built 1900
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Jul 2025)
Tax Bill	$3,281 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Mar 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-11-314-025`

Property Details

APN / Parcel Number

Primary APN	`21-11-314-025`
Alternative APN	`18-11-309-027`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	1,974 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	4,356 sqft (0.1 acres)

Location & Zoning

Street Address	407 CLAY ST
City	OTTAWA
State	IL
Zip	61350-2744
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WALKER'S ADD, N1/2 LT 8 BLK 4 SEC 11-33-3
Legal Range	03
Legal Township	33
Legal Section	11
Legal Subdivision	WALKERS ADD
Legal Block	4
Legal Lot Number	8
Jurisdiction	LASALLE IL
Township / Civil Division	OTTAWA
Census Block Group	4
Census Block	4014
Census Tract	962800

Owner

407 Clay St is owned and occupied by an individual who bought it in July 2025.

Source: LaSalle County records, as of August 3, 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	Individual Name on File
Mailing Address	407 CLAY ST, OTTAWA, IL 61350-2744
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2025	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Mar 11, 2024	Quit Claim Deed, Transfer Quitclaim
Oct 13, 2022	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2025 · Amount on File
Deed Sale	Jul 7, 2025 · Amount on File
Prior Sale	Mar 11, 2024 · Amount on File
Deed Document Number	20256944
Prior Transfer Date	Mar 7, 2024
Prior Transfer Doc	0202402364
Record Updated	Sep 20, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LASALLE IL
Recording Date	Jul 7, 2025
Property Address	407 CLAY ST, OTTAWA, IL 61350-2744
Document Number	0202506944
Instrument Date	Jul 3, 2025
Instrument	2025-06944
Transaction Type	Transfer
Record Updated	Apr 28, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$322.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 CLAY ST, OTTAWA, IL 61350-2744

Mortgage

Document Number	0202506945
Date	Jul 7, 2025
Instrument	2025-06945

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.75%

March 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LASALLE IL
Recording Date	Mar 11, 2024
Property Address	407 CLAY ST, OTTAWA, IL 61350-2744
Document Number	0202402364
Instrument Date	Mar 7, 2024
Instrument	2024-02364
Transaction Type	Transfer
Record Updated	Apr 28, 2026

Transaction

Amount	Amount on Record
Tax	$55.50
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2230 ANDREW TRL, MONTGOMERY, IL 60538-4011

October 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LASALLE IL
Recording Date	Oct 13, 2022
Property Address	407 CLAY ST, OTTAWA, IL 61350-2744
Document Number	0202213103
Instrument Date	Sep 28, 2022
Instrument	2022-13103
Transaction Type	Transfer
Record Updated	Apr 28, 2026

Transaction

Amount	Amount on Record
Tax	$60.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 417, SUGAR GROVE, IL 60554-0417

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1352 REVA LN, SANDWICH, IL 60548-9317

Tax Assessment & Valuation

The 2025 property tax bill for 407 Clay St was $3,281, up 7.5% from the year before.

Source: LaSalle County assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	LaSalle County
County Subdivision	Ottawa Township
Municipality	Ottawa City
Elementary School District	Ottawa Elementary School District 141 (PK - 08)
Secondary School District	Ottawa Township High School District 140 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,281.00 (+7.5%)	$32,713 Land $4,217 Building $28,496	$98,139 Land $12,651 Building $85,488
2024	$3,052.00
2023		$26,530 (+10.18%) Land $3,420 Building $23,110	$79,590 (+10.18%) Land $10,260 Building $69,330
2022	$2,590.00	$24,079 Land $6,384 Building $17,695	$72,237 Land $19,152 Building $53,085

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 407 Clay St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1984.

Source: FEMA National Flood Hazard Layer, effective March 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1984–2020)
Claims Outside the SFHA	2 of 4
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 claims

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 407 Clay 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	OTTAWA serves 18,097 people · EPA ID IL0990800
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Jul 2023
Treatment and Procedure	None last 10 years
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 580 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	1,000 / 1,000
Mediacom Xtream Cable · Fixed Wireless · Fiber in parts of the area	1,000 / 50

May also be available: AT&T, Verizon.

Nearby Properties on Clay St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures