418 Elm St, Durand, IL 61024 Property Records

Winnebago County property record for 418 Elm St, Durand, IL 61024

Property Summary

Property Type	Single Family Home
Lot Size	0.89 acres (38,768 sqft)
Owner	2 Individual Names on Record
Last Sale	$131,000 (Jul 2019)
Tax Bill	$3,151 (2025)
Deeds & Mortgages	Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-10-481-004`

Property Details

APN / Parcel Number

Primary APN	`05-10-481-004`
Alternative APNs	`510481004` `334C166A`

Exterior

Lot Area	38,768 sqft (0.89 acres)

Location & Zoning

Account Number	334C166A
Street Address	418 ELM ST
City	DURAND
State	IL
Zip	61024-9594
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLAT OF DURAND LOTS 1-2 & 3 BLOCK 25
Legal Subdivision	VILLAGE/DURAND
Legal Block	25
Legal Lot Number	1-2,3
Jurisdiction	WINNEBAGO IL
Township / Civil Division	DURAND
Census Block Group	2
Census Block	2026
Census Tract	4100

Owner

Source: Winnebago County records, as of July 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	418 ELM ST, DURAND, IL 61024-9594
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2019 · Amount on Record
Deed Sale	Jul 18, 2019 · Amount on Record
Prior Sale	Oct 7, 2016 · Amount on Record
Deed Document Number	20191023961
Record Updated	Oct 29, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jul 18, 2019
Property Address	418 ELM ST, DURAND, IL 61024-9594
Document Number	0001023961
Instrument Date	Jul 10, 2019
Instrument	1023961
Transaction Type	Transfer
Record Updated	Aug 8, 2019
Title Company	NORTHERN LAND TITLE CORPORATION, NLT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$196.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	418 ELM ST DURAND IL 610249594, DURAND, IL 61024-9594

Mortgage

Document Number	1023962
Date	Jul 18, 2019
Instrument	1023962

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2049

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

Source: Winnebago County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Winnebago County
County Subdivision	Durand Township
Municipality	Durand Village
Unified School District	Durand Community Unit School District 322 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,151.00	$81,989 (+46.28%) Land $20,496 Building $61,493	$245,967 (+46.28%) Land $61,488 Building $184,479
2022	Homeowner's exemption	$56,048 Land $14,153 Building $41,895	$168,144 Land $42,459 Building $125,685

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

Source: FEMA National Flood Hazard Layer, effective July 12, 2023

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.

Wildfire

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

Wildfire Risk	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	DURAND serves 1,427 people · EPA ID IL2010100
Water Source	Groundwater
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Apr 2023 Lead public education Mar 2023
Monitoring and Reporting	4 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 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Sonic Spectrum Fiber	2,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: LiteWire.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Elm St

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