Knox County property record for 409 W Prospect St, Oneida, IL 61467
| Property Type | Single Family Home |
|---|---|
| Details | 820 sqft · built 1948 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $122,500 (Aug 2025) |
| Tax Bill | $3,747 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage Jun 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-35-278-009 |
| Primary APN | 02-35-278-009 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 820 sqft Base Area |
| 1st Floor Area | 820 sqft |
| Basement Area | 532 sqft |
| Unfinished Basement | 532 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 13,504 sqft (0.31 acres) |
| Lot Dimensions | 165 ft deep x 82 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 409 W PROSPECT ST |
|---|---|
| City | ONEIDA |
| State | IL |
| Zip | 61467-5187 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CAMP ADDN LOT 8 BLK 55 CITY OF ONEIDA |
| Legal Subdivision | CAMP ADDN |
| Legal Block | 55 |
| Legal Lot Number | 8 |
| Jurisdiction | KNOX IL |
| Township / Civil Division | ONTARIO |
| Census Block Group | 4 |
| Census Block | 4081 |
| Census Tract | 100 |
Source: Knox County records, as of June 18, 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 | 409 W PROSPECT ST, ONEIDA, IL 61467-5187 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 25, 2024 | Deed of Trust, Mortgage HUD |
| Jun 1, 2023 | Deed of Trust, Mortgage · Conventional Mortgage HUD |
| Dec 23, 2020 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 5, 2025 · Amount on Record |
| Deed Sale | Aug 5, 2025 · Amount on Record |
| Prior Sale | Dec 23, 2020 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KNOX IL |
| Property Address | 409 W PROSPECT ST, ONEIDA, IL 61467-5187 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2024 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001090882 |
|---|---|
| Date | Jan 25, 2024 |
| Instrument | 1090882 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Amount | Amount Recorded |
|---|---|
| Term | 348 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KNOX IL |
| Property Address | 409 W PROSPECT ST, ONEIDA, IL 61467-5187 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001086730 |
|---|---|
| Date | Jun 1, 2023 |
| Instrument | 1086730 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KNOX IL |
| Recording Date | Dec 23, 2020 |
| Property Address | 409 W PROSPECT ST, ONEIDA, IL 61467-5187 |
| Document Number | 0001068528 |
| Instrument Date | Dec 23, 2020 |
| Instrument | 1068528 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $187.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 409 W PROSPECT ST, ONEIDA, IL 61467-5187 |
| Document Number | 0001068529 |
|---|---|
| Date | Dec 23, 2020 |
| Instrument | 1068529 |
| Name | QUICKEN LOANS INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 3.75% |
|---|
Source: Knox County assessment roll, as of June 18, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Knox County |
| County Subdivision | Ontario Township |
| Municipality | Oneida City |
| Unified School District | ROWVA Community Unit School District 208 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,747.00 (+11.78%) | $52,410 (+15.72%) Land $2,340 Building $50,070 | $157,230 (+15.72%) Land $7,020 Building $150,210 |
| 2022 | $3,352.00 | $45,290 Land $1,870 Building $43,420 | $135,870 Land $5,610 Building $130,260 |
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.
Source: FEMA National Flood Hazard Layer, effective August 2, 2011
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ONEIDA serves 644 people · EPA ID IL0950400 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Oneida Network Services Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Nextlink Fixed Wireless | 100 / 20 |
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