4106 N River Rd, Oregon, IL 61061 Property Records

Ogle County property record for 4106 N River Rd, Oregon, IL 61061

Property Summary

Property Type	Single Family Home
Details	2,550 sqft · built 1999
Lot Size	6.29 acres (273,992 sqft)
Owner	Individual Name on File
Last Sale	$405,000 (Dec 2019)
Tax Bill	$11,870 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-15-400-026`

Property Details

APN / Parcel Number

Primary APN	`09-15-400-026`

Interior

Stories	2 Stories
Building Area	2,550 sqft Living Area
Basement Area	1,400 sqft
Unfinished Basement	1,400 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Lot Area	273,992 sqft (6.29 acres)

Location & Zoning

Street Address	4106 N RIVER RD
City	OREGON
State	IL
Zip	61061-9476
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RNG/BLK:10 TWP:24 SECT/LOT:15 PT SW4 SE4 TRACT C
Legal Range	10
Legal Township	24
Legal Section	15
Legal Tract	C
Legal Block	10
Legal Lot Number	15
Jurisdiction	OGLE IL
Township / Civil Division	ROCKVALE
Census Block Group	1
Census Block	1032
Census Tract	961700

Owner

4106 N River Rd is owned and occupied by an individual who bought it in December 2019.

Source: Ogle County records, as of July 16, 2026

Owner of Record	Individual Name on File
Mailing Address	4106 N RIVER RD, OREGON, IL 61061-9476
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
Sep 15, 2025	Deed of Trust, Mortgage · Line of Credit HARVARD STATE BANK
Jan 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage HARVARD STATE BANK
Dec 4, 2019	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2019 · Amount on File
Deed Sale	Dec 4, 2019 · Amount on File
Deed Document Number	20196974
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OGLE IL
Property Address	4106 N RIVER RD, OREGON, IL 61061-9476
Transaction Type	Mortgage
Record Updated	Oct 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004661
Date	Sep 15, 2025
Instrument	202504661

Lender

Name	HARVARD STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Sep 15, 2030

Interest

Rate Type	Fixed Rate
Rate	7.25%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OGLE IL
Property Address	4106 N RIVER RD, OREGON, IL 61061-9476
Transaction Type	Mortgage
Record Updated	Feb 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000537
Date	Jan 20, 2021
Instrument	202100537

Lender

Name	HARVARD STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 1, 2041

Interest

Rate Type	Fixed Rate

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OGLE IL
Recording Date	Dec 4, 2019
Property Address	4106 N RIVER RD, OREGON, IL 61061-9476
Document Number	0000006974
Instrument Date	Nov 25, 2019
Instrument	6974
Transaction Type	Transfer
Record Updated	Dec 31, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$607.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	14041 KELLEY RD PECATONICA IL 610639441, PECATONICA, IL 61063-9441

Mortgage

Document Number	6975
Date	Dec 4, 2019
Instrument	6975

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4106 N River Rd was $11,870.

Source: Ogle County assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Ogle County
County Subdivision	Rockvale Township
Unified School District	Byron Community Unit School District 226 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,870.00	$178,294 Land $48,649 Building $129,645	$534,882 Land $145,947 Building $388,935
2023		$149,876 Land $40,895 Building $108,981	$449,628 Land $122,685 Building $326,943
2022	$9,569.00

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 4106 N River Rd in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	33 (1982–2026)
Claims Outside the SFHA	6 of 33
Most Recent Claim	Apr 2026 · river or lake flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 claims Severe Storms And Flooding, Jul 2010 · 11 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

Wildfire risk around 4106 N River Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 61% of Illinois
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AaroBand, Frontier.

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