Ogle County property record for 423 Mill Ridge Dr, Byron, IL 61010
| Property Type | Condominium |
|---|---|
| Details | 1,206 sqft · built 2004 |
| Lot Size | 0.354 acres (15,451 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,000 (Oct 2024) |
| Tax Bill | $3,565 (2025) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Sep 2018 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-31-104-025 |
| Primary APN | 05-31-104-025 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,206 sqft Living Area |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Condo/Apartment |
| Lot Area | 15,451 sqft (0.354 acres) |
| Street Address | 423 MILL RIDGE DR |
|---|---|
| City | BYRON |
| State | IL |
| Zip | 61010-1462 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | UNIT 43, LOT 2 CONDO AT CREEKSIDE FINAL PLAT 1 PHASE 3 MILL CREEK, CREEKSIDE |
| Legal Subdivision | MILL CREEK CREEKSIDE |
| Legal Phase | E |
| Legal Lot Number | 2 |
| Legal Unit | 43 |
| Jurisdiction | OGLE IL |
| Township / Civil Division | BYRON |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 961700 |
423 Mill Ridge Dr, a condominium, is owned and occupied by an individual who bought it in October 2024.
Source: Ogle County records, as of June 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 423 MILL RIDGE DR, BYRON, IL 61010-1462 |
| 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.
| Date | Document |
|---|---|
| Jun 2, 2023 | Warranty Deed, Transfer · Conventional Mortgage BYRON BANK |
| Sep 13, 2018 | Deed of Trust, Mortgage · Conventional Mortgage BYRON BANK |
| Feb 11, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BYRON BANK |
| Apr 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BYRON BANK |
| Aug 31, 2019 | Loan Modification, Mortgage · Conventional Mortgage BYRON BK |
| Oct 25, 2017 | Deed of Trust, Mortgage · Line of Credit BYRON BK |
| Oct 19, 2017 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 18, 2024 · Amount on File |
| Deed Sale | Oct 18, 2024 · Amount on File |
| Prior Sale | Jun 2, 2023 · Amount on File |
| Deed Document Number | 20244734 |
| Prior Transfer Date | Oct 10, 2017 |
| Prior Transfer Doc | 0000006111 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OGLE IL |
| Recording Date | Jun 2, 2023 |
| Property Address | 423 MILL RIDGE DR, BYRON, IL 61010-1462 |
| Document Number | 0000002267 |
| Map Reference | DOC 0111116 |
| Instrument Date | Jun 1, 2023 |
| Instrument | 202302267 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $207.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 423 MILL RIDGE DR, BYRON, IL 61010-1462 |
| Document Number | 0000002268 |
|---|---|
| Date | Jun 2, 2023 |
| Instrument | 202302268 |
| Name | BYRON BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Annually |
| Min Rate At Change | 4.75% |
| Max Rate At Change | 8.75% |
| Index | 1-Year CMT |
| Max Rate | 12.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OGLE IL |
| Property Address | 423 MILL RIDGE DR, BYRON, IL 61010-1462 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000005105 |
|---|---|
| Date | Sep 13, 2018 |
| Instrument | 201805105 |
| Name | BYRON BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OGLE IL |
| Property Address | 423 MILL RIDGE DR, BYRON, IL 61010-1462 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000673 |
|---|---|
| Date | Feb 11, 2019 |
| Instrument | 201900673 |
| Name | BYRON BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OGLE IL |
| Property Address | 423 MILL RIDGE DR, BYRON, IL 61010-1462 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002186 |
|---|---|
| Date | Apr 16, 2020 |
| Instrument | 202002186 |
| Name | BYRON BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 1, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OGLE IL |
| Property Address | 423 MILL RIDGE DR, BYRON, IL 61010-1462 |
| Document Number | 0000005947 |
| Instrument Date | Aug 31, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2019 |
| Title Company | OTHER |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 5430 GREAT VIEW DR STILLMAN VALLEY IL 610849715, STILLMAN VALLEY, IL 61084-9715 |
| Document Number | 0000005947 |
|---|---|
| Date | Oct 21, 2019 |
| Instrument | 5947 |
| Name | BYRON BK |
|---|---|
| Type | Bank |
| Address | BYRON, IL 61010 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OGLE IL |
| Property Address | 423 MILL RIDGE DR, BYRON, IL 61010-1462 |
| Document Number | 0000006369 |
| Instrument Date | Oct 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 865 HILLSIDE DR BYRON IL 610109447, BYRON, IL 61010-9447 |
| Document Number | 0000006369 |
|---|---|
| Date | Nov 2, 2017 |
| Instrument | 6369 |
| Name | BYRON BK |
|---|---|
| Type | Bank |
| Address | BYRON, IL 61010 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Nov 1, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.95% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OGLE IL |
| Recording Date | Oct 19, 2017 |
| Property Address | 423 MILL RIDGE DR, BYRON, IL 61010-1462 |
| Document Number | 0000006111 |
| Instrument Date | Oct 10, 2017 |
| Instrument | 6111 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2017 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 865 HILLSIDE DR BYRON IL 610109447, BYRON, IL 61010-9447 |
The 2025 property tax bill for 423 Mill Ridge Dr was $3,565.
Source: Ogle County assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | Illinois |
| Municipality | Byron City |
| County | Ogle County |
| County Subdivision | Byron Township |
| Unified School District | Byron Community Unit School District 226 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,565.00 | $49,265 Land $4,419 Building $44,846 | $147,795 Land $13,257 Building $134,538 |
| 2023 | $41,379 (+23.27%) Land $3,457 Building $37,922 | $124,137 (+23.27%) Land $10,371 Building $113,766 | |
| 2022 | $2,878.00 | $33,568 Land $3,206 Building $30,362 | $100,704 Land $9,618 Building $91,086 |
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.
FEMA maps place 423 Mill Ridge Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2002.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (2002–2013) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Apr 2013 · Severe Storms, Straight-line Winds, And Flooding |
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 risk around 423 Mill Ridge Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 71% of Illinois |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BYRON serves 3,784 people · EPA ID IL1410100 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2023 |
| Lead | Under 1 ppb (2026) 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 145 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AaroBand Fixed Wireless | 100 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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