416 E Howard St, Pontiac, IL 61764 Property Records

Livingston County property record for 416 E Howard St, Pontiac, IL 61764

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,506 sqft · built 1915
Lot Size	0.165 acres (7,200 sqft)
Owner	2 Individual Names on File
Last Sale	$105,000 (Jan 2022)
Tax Bill	$3,049 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Nov 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`15-15-22-429-003`

Property Details

APN / Parcel Number

Primary APN	`15-15-22-429-003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,506 sqft Living Area
Basement Area	860 sqft
Unfinished Basement	860 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
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	416 E HOWARD ST
City	PONTIAC
State	IL
Zip	61764-2035
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15-22-429-003 LOT 60 X 120 LOT 2 BLK 38 CITY OF PONTIAC
Legal Subdivision	CITY OF PONTIAC
Legal Block	38
Legal Lot Number	2
Jurisdiction	LIVINGSTON IL
Township / Civil Division	PONTIAC
Census Block Group	3
Census Block	3018
Census Tract	960600

Owner

416 E Howard St is owned and occupied by two individuals who bought it in January 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	416 E HOWARD ST, PONTIAC, IL 61764-2035
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
Apr 20, 2023	Warranty Deed, Transfer · Conventional Mortgage CEFCU
Nov 17, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jan 19, 2022	Warranty Deed, Transfer
Dec 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF PONTIAC
Jul 19, 2018	Warranty Deed, Transfer · Conventional Mortgage BANK OF PONTIAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2022 · Amount on File
Deed Sale	Jan 19, 2022 · Amount on File
Prior Sale	Jun 8, 2010 · Amount on File
Deed Document Number	2022274
Record Updated	Sep 20, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Apr 20, 2023
Property Address	416 E HOWARD ST, PONTIAC, IL 61764-2035
Document Number	2023R01346
Instrument Date	Apr 1, 2023
Instrument	2023R-01346
Transaction Type	Transfer
Record Updated	May 17, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$186.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3569 TUSCANY DR SE, GRAND RAPIDS, MI 49546-7247

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	416 E HOWARD ST, PONTIAC, IL 61764-2035

Mortgage

Document Number	2023R01347
Date	Apr 20, 2023
Instrument	2023R-01347

Lender

Name	CEFCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LIVINGSTON IL
Recording Date	Nov 17, 2022
Property Address	416 E HOWARD ST, PONTIAC, IL 61764-2035
Document Number	2022R05025
Instrument Date	Nov 14, 2022
Instrument	2022R-05025
Transaction Type	Transfer
Record Updated	Dec 7, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 E HOWARD ST, PONTIAC, IL 61764-2035

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Jan 19, 2022
Property Address	416 E HOWARD ST, PONTIAC, IL 61764-2035
Document Number	2022R00274
Instrument Date	Dec 10, 2021
Instrument	2022R-00274
Transaction Type	Transfer
Record Updated	Feb 2, 2022

Transaction

Amount	Amount on Record
Tax	$157.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	42 TROY CT, 42, BLOOMINGTON, IL 61701-7734

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 E HOWARD ST, PONTIAC, IL 61764-2035

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON IL
Property Address	416 E HOWARD ST, PONTIAC, IL 61764-2035
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R05513
Date	Dec 9, 2020
Instrument	2020R-05513

Lender

Name	BANK OF PONTIAC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	72 Months
Due	Jun 1, 2026

Interest

Rate Type	Fixed Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Jul 19, 2018
Property Address	416 E HOWARD ST, PONTIAC, IL 61764-2035
Document Number	2018R02866
Instrument Date	Jul 9, 2018
Instrument	2018R-02866
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 E HOWARD ST, PONTIAC, IL 61764-2035

Mortgage

Document Number	2018R02867
Date	Jul 19, 2018
Instrument	2018R-02867

Lender

Name	BANK OF PONTIAC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Feb 1, 2024

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 416 E Howard St was $3,049 with exemptions applied.

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	$3,049.00	$45,790 Land $5,263 Building $40,527	$137,370 Land $15,789 Building $121,581

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 416 E Howard 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 416 E Howard 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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