428 Pearl St, Ottawa, IL 61350 Property Records

LaSalle County property record for 428 Pearl St, Ottawa, IL 61350

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,693 sqft · built 1919
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (May 2022)
Tax Bill	$11,108 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-12-136-004`

Property Details

APN / Parcel Number

Primary APN	`21-12-136-004`
Alternative APN	`18-12-155-004`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	2,693 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Lot Area	14,375 sqft (0.33 acres)

Location & Zoning

Street Address	428 PEARL ST
City	OTTAWA
State	IL
Zip	61350-3042
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREENS ADD, LT 3 BLK 5 SEC 12-33-3
Legal Range	03
Legal Township	33
Legal Section	12
Legal Subdivision	GREENS ADD RESUB OF BLK 5
Legal Block	5
Legal Lot Number	3
Jurisdiction	LASALLE IL
Township / Civil Division	OTTAWA
Census Block Group	5
Census Block	5005
Census Tract	962300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Ottawa East Side Historic District listed 2013 · 301 contributing resources · NRIS 13000718

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

428 Pearl St is owned and occupied by two individuals who bought it in May 2022.

Source: LaSalle County records, as of June 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	428 PEARL ST, OTTAWA, IL 61350-3042
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
May 18, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST FSB
Nov 16, 2018	Deed, Transfer · Conventional Mortgage OTTAWA SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2022 · Amount on File
Deed Sale	May 18, 2022 · Amount on File
Prior Sale	Nov 16, 2018 · Amount on File
Deed Document Number	20226499
Prior Transfer Date	Aug 19, 2015
Prior Transfer Doc	201517506
Record Updated	Sep 20, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LASALLE IL
Recording Date	May 18, 2022
Property Address	428 PEARL ST, OTTAWA, IL 61350-3042
Document Number	0202206499
Map Reference	MB G PG 56
Instrument Date	May 5, 2022
Instrument	2022-06499
Transaction Type	Transfer
Record Updated	Jun 8, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Amount Accuracy	Rounded by County
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	428 PEARL ST, OTTAWA, IL 61350-3042

Mortgage

Document Number	0202206500
Date	May 18, 2022
Instrument	2022-06500

Lender

Name	FIRST FSB

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	LASALLE IL
Recording Date	Nov 16, 2018
Property Address	428 PEARL ST, OTTAWA, IL 61350-3042
Document Number	201815429
Instrument Date	Nov 1, 2018
Instrument	201815429
Transaction Type	Transfer
Record Updated	Jun 7, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$489.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 PEARL ST, OTTAWA, IL 61350-3042

Mortgage

Document Number	201815430
Date	Nov 16, 2018
Instrument	201815430

Lender

Name	OTTAWA SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.37%

Tax Assessment & Valuation

The 2025 property tax bill for 428 Pearl St was $11,108, up 8.1% from the year before.

Source: LaSalle County assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	LaSalle County
County Subdivision	Ottawa Township
Municipality	Ottawa City
Elementary School District	Ottawa Elementary School District 141 (PK - 08)
Secondary School District	Ottawa Township High School District 140 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,108.00 (+8.1%)	$116,740 (+10.36%) Land $18,612 Building $98,128	$350,220 (+10.36%) Land $55,836 Building $294,384
2024	$10,276.00	$105,781 (+11.73%) Land $16,865 Building $88,916	$317,343 (+11.73%) Land $50,595 Building $266,748
2023		$94,675 (+10.18%) Land $15,094 Building $79,581	$284,025 (+10.18%) Land $45,282 Building $238,743
2022		$85,927 Land $22,251 Building $63,676	$257,781 Land $66,753 Building $191,028

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 428 Pearl St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 29, 2024 · 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	38 (1979–2020)
Claims Outside the SFHA	13 of 38
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 8 claims Severe Storms And Flooding, Sep 2008 · 9 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 428 Pearl St 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OTTAWA serves 18,097 people · EPA ID IL0990800
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Jul 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 272 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fixed Wireless	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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