431 Williams Dr, Oregon, IL 61061 Property Records

Ogle County property record for 431 Williams Dr, Oregon, IL 61061

Property Summary

Property Type	Single Family Home
Details	1,288 sqft · built 1958
Lot Size	0.252 acres (10,993 sqft)
Owner	Individual Name on File
Last Sale	$126,000 (Mar 2022)
Tax Bill	$4,448 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Mar 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-04-252-013`

Property Details

APN / Parcel Number

Primary APN	`16-04-252-013`

Interior

Stories	1 Story
Building Area	1,288 sqft Living Area

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Lot Area	10,993 sqft (0.252 acres)
Garage Type	Attached
Garage Area	672 sqft

Location & Zoning

Street Address	431 WILLIAMS DR
City	OREGON
State	IL
Zip	61061-1043
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RNG/BLK:10 TWP:23 SECT/LOT:4 LOT 5 TERRACE VIEW SUBD
Legal Range	10
Legal Township	23
Legal Section	04
Legal Subdivision	TERRACE VIEW SUBD
Legal Block	10
Legal Lot Number	4-5
Jurisdiction	OGLE IL
Township / Civil Division	OREGON-NASHUA
Census Block Group	1
Census Block	1066
Census Tract	960900

Owner

431 Williams Dr is owned and occupied by an individual who bought it in March 2022.

Source: Ogle County records, as of May 19, 2026

Owner of Record	Individual Name on File
Mailing Address	431 WILLIAMS DR, OREGON, IL 61061-1043
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
Mar 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage DUPACO COMMUNITY CU
Mar 9, 2022	Warranty Deed, Transfer · Conventional Mortgage DUPACO COMMUNITY CU
Jun 18, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Dec 27, 2018	Quit Claim Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2022 · Amount on File
Deed Sale	Mar 9, 2022 · Amount on File
Prior Sale	Jun 18, 2019 · Amount on File
Deed Document Number	20221401
Prior Transfer Date	Dec 6, 2018
Prior Transfer Doc	0000007011
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OGLE IL
Property Address	431 WILLIAMS DR, OREGON, IL 61061-1043
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001403
Date	Mar 9, 2022
Instrument	202201403

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2042

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2027
Change Frequency	Annually
Min Rate At Change	4.38%
Max Rate At Change	6.38%
Index	1-Year CMT
Margin	3

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OGLE IL
Recording Date	Mar 9, 2022
Property Address	431 WILLIAMS DR, OREGON, IL 61061-1043
Document Number	0000001401
Map Reference	DOC366310
Instrument Date	Mar 4, 2022
Instrument	202201401
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$189.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	431 WILLIAMS DR, OREGON, IL 61061-1043
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001402
Date	Mar 9, 2022
Instrument	202201402

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate

Mortgage

Document Number	0000001403
Date	Mar 9, 2022
Instrument	202201403

Lender

Name	DUPACO COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2042

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2027
Change Frequency	Annually
Min Rate At Change	4.38%
Max Rate At Change	6.38%
Index	1-Year CMT
Margin	3

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OGLE IL
Recording Date	Jun 18, 2019
Property Address	431 WILLIAMS DR, OREGON, IL 61061-1043
Document Number	0000003254
Instrument Date	Jun 17, 2019
Instrument	3254
Transaction Type	Transfer
Record Updated	Jun 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$45.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5817 N ESTHER DR BYRON IL 610109347, BYRON, IL 61010-9347

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OGLE IL
Recording Date	Dec 27, 2018
Property Address	431 WILLIAMS DR, OREGON, IL 61061-1043
Document Number	0000007011
Instrument Date	Dec 6, 2018
Instrument	7011
Transaction Type	Transfer
Record Updated	Jan 30, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	750 SEVEN HICKORY RD BYRON IL 610109666, BYRON, IL 61010-9666

Tax Assessment & Valuation

The 2025 property tax bill for 431 Williams Dr was $4,448, up 3.6% from the year before.

Source: Ogle County assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Ogle County
County Subdivision	Oregon-Nashua Township
Unified School District	Oregon Community Unit School District 220 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,448.00 (+3.63%)	$52,543 (+7.25%) Land $6,977 Building $45,566	$157,629 (+7.25%) Land $20,931 Building $136,698
2024	$4,292.00	$48,991 (+11.1%) Land $6,505 Building $42,486	$146,973 (+11.1%) Land $19,515 Building $127,458
2023		$44,097 Land $7,046 Building $37,051	$132,291 Land $21,138 Building $111,153
2022	$3,642.00

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 431 Williams Dr in Zone X, an area of minimal flood risk, though there have been 45 flood claims nearby since 1978.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	45 (1978–2013)
Claims Outside the SFHA	1 of 45
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2010 · 6 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 431 Williams Dr 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	OREGON serves 3,449 people · EPA ID IL1410400
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
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 315 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Williams Dr

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