409 E Madison St, Pontiac, IL 61764 Property Records

Livingston County property record for 409 E Madison St, Pontiac, IL 61764

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,042 sqft · built 1920
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on File
Last Sale	$131,000 (Jul 2021)
Tax Bill	$3,323 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-15-22-429-006`

Property Details

APN / Parcel Number

Primary APN	`15-15-22-429-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,042 sqft Living Area
Basement Area	820 sqft
Unfinished Basement	820 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Roof Material	Asphalt
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	240 sqft

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Street Address	409 E MADISON ST
City	PONTIAC
State	IL
Zip	61764-2050
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15-22-429-006 LOT 60 X 120 LOT 6 BLK 38 CITY OF PONTIAC
Legal Subdivision	NA
Legal Block	38
Legal Lot Number	6
Jurisdiction	LIVINGSTON IL
Township / Civil Division	PONTIAC
Census Block Group	3
Census Block	3018
Census Tract	960600

Owner

409 E Madison St is owned and occupied by an individual who bought it in July 2021.

Source: Livingston County records, as of June 30, 2026

Owner of Record	Individual Name on File
Mailing Address	409 E MADISON ST, PONTIAC, IL 61764-2050
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
Jul 7, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK OF PONTIAC
Feb 19, 2020	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2021 · Amount on File
Deed Sale	Jul 7, 2021 · Amount on File
Prior Sale	Feb 19, 2020 · Amount on File
Deed Document Number	20213400
Prior Transfer Date	Dec 12, 2014
Prior Transfer Doc	0000632090
Record Updated	Sep 20, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Jul 7, 2021
Property Address	409 E MADISON ST, PONTIAC, IL 61764-2050
Document Number	2021R03400
Instrument Date	Jul 2, 2021
Instrument	2021R-03400
Transaction Type	Transfer
Record Updated	Aug 4, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$196.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1207 30TH ST, 1207, GALVESTON, TX 77550-4202

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	409 E MADISON ST, PONTIAC, IL 61764-2050

Mortgage

Document Number	2021R03401
Date	Jul 7, 2021
Instrument	2021R-03401

Lender

Name	BANK OF PONTIAC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Feb 19, 2020
Property Address	409 E MADISON ST, PONTIAC, IL 61764-2050
Document Number	2020R00662
Instrument Date	Feb 18, 2020
Instrument	2020R-00662
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E MADISON ST, PONTIAC, IL 61764-2050

Mortgage

Document Number	2020R00663
Date	Feb 19, 2020
Instrument	2020R-00663

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 409 E Madison St was $3,323 with a homeowner's exemption.

Source: Livingston County assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Livingston County
County Subdivision	Pontiac Township
Municipality	Pontiac City
Elementary School District	Pontiac Community Consolidated School District 429 (PK - 08)
Secondary School District	Pontiac Township High School District 90 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,323.00	$43,924 Land $5,263 Building $38,661	$131,772 Land $15,789 Building $115,983

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 409 E Madison St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective July 14, 2021 · 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
Nearby Flood Policies	4 in force
Nearby Flood Claims	6 (1982–2008)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jan 2008 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jan 2008 · 4 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 409 E Madison 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	IL AMERICAN-PONTIAC private · serves 11,864 people · EPA ID IL1055030
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	2 ppb (2025) action level 15 ppb
Copper	1.36 mg/L (2015–2017) action level 1.3 mg/L

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 451 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pavlov Media Fiber	8,000 / 8,000
Conxxus Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink.

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