431 E Lincoln Ave, Onarga, IL 60955 Property Records

Iroquois County property record for 431 E Lincoln Ave, Onarga, IL 60955

Property Summary

Property Type	Single Family Home
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on Record
Last Sale	$169,000 (Aug 2018)
Tax Bill	$5,406 (2025)
Deeds & Mortgages	Oct 2018 Line of Credit Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23 19 276 010`

Property Details

APN / Parcel Number

Primary APN	`23 19 276 010`

Exterior

Lot Area	23,087 sqft (0.53 acres)

Location & Zoning

Street Address	431 E LINCOLN AVE
City	ONARGA
State	IL
Zip	60955-1314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SE NE - .53@
Jurisdiction	IROQUOIS IL
Township / Civil Division	ONARGA
Census Block Group	3
Census Block	3082
Census Tract	950600

Owner

Source: Iroquois County records, as of July 17, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	431 E LINCOLN AVE, ONARGA, IL 60955-1314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2018	Deed of Trust, Mortgage · Line of Credit VERMILION VALLEY BANK
Dec 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Aug 9, 2018	Warranty Deed, Transfer · Line of Credit VERMILION VALLEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2018 · Amount on Record
Deed Sale	Aug 9, 2018 · Amount on Record
Deed Document Number	20182453
Last Transfer Date	Jun 30, 2025
Transfer Doc	0000002085
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	431 E LINCOLN AVE, ONARGA, IL 60955-1314
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	18R3140
Date	Oct 9, 2018
Instrument	18R3140

Lender

Name	VERMILION VALLEY BANK
Type	Bank
Address	PIPER CITY, IL 60959

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 5, 2048

Interest

Rate	5.12%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	431 E LINCOLN AVE, ONARGA, IL 60955-1314
Transaction Type	Mortgage
Record Updated	Jan 23, 2020
Title Company	SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	19R3554
Date	Dec 12, 2019
Instrument	19R3554

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.75%

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Aug 9, 2018
Property Address	431 E LINCOLN AVE, ONARGA, IL 60955-1314
Document Number	18R2453
Instrument Date	Feb 12, 2016
Instrument	18R2453
Transaction Type	Transfer
Record Updated	Jul 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$253.50
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	431 E LINCOLN AVE, 431, ONARGA, IL 60955-1314

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	431 E LINCOLN AVE, ONARGA, IL 60955-1314

Mortgage

Document Number	18R2454
Date	Aug 9, 2018
Instrument	18R2454

Lender

Name	VERMILION VALLEY BANK
Type	Bank
Address	PIPER CITY, IL 60959

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	6 Months
Due	Feb 1, 2019

Interest

Rate	4.87%

Tax Assessment & Valuation

Source: Iroquois County assessment roll, as of July 17, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Iroquois County
County Subdivision	Onarga Township
Municipality	Onarga Village
Unified School District	Iroquois West Community Unit School District 10 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,406.00 (+30.96%)	$69,480 (+26.6%) Land $1,400 Building $68,080	$208,440 (+26.6%) Land $4,200 Building $204,240
2022	$4,128.00 Homeowner's exemption	$54,880 Land $1,100 Building $53,780	$164,640 Land $3,300 Building $161,340

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 August 16, 2011 · 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	2 (2016)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Aug 2016 · rainfall accumulation

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

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

Wildfire Risk	Low lower than 95% of the US · lower than 70% 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	ONARGA serves 1,409 people · EPA ID IL0750700
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2025) action level 15 ppb
Copper	1.4 mg/L (2019–2021) 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	2 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 104 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
Xfinity Cable	1,200 / 35

May also be available: AT&T, Nextlink, Verizon, Watch TV.

Nearby Properties on E Lincoln Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures