433 Congress St, Ottawa, IL 61350 Property Records

LaSalle County property record for 433 Congress St, Ottawa, IL 61350

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,652 sqft · built 1885
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$203,000 (Jun 2018)
Tax Bill	$9,531 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-12-300-006`

Property Details

APN / Parcel Number

Primary APN	`21-12-300-006`
Alternative APN	`18-12-301-006`

Interior

Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	2,652 sqft Total Area

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1885
Lot Area	7,841 sqft (0.18 acres)

Location & Zoning

Street Address	433 CONGRESS ST
City	OTTAWA
State	IL
Zip	61350-3013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREEN'S ADD, LT 1 BLK 15 SEC 12-33-3
Legal Range	03
Legal Township	33
Legal Section	12
Legal Subdivision	GREENS ADD
Legal Block	15
Legal Lot Number	1
Jurisdiction	LASALLE IL
Township / Civil Division	OTTAWA
Census Block Group	5
Census Block	5013
Census Tract	962300

Owner

433 Congress St is owned and occupied by an individual who bought it in June 2018.

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

Owner of Record	Individual Name on File
Mailing Address	433 CONGRESS ST, OTTAWA, IL 61350-3013
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
Apr 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage OTTAWA SAVINGS BANK
Jun 1, 2018	Deed, Transfer · Conventional Mortgage OTTAWA SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2018 · Amount on File
Deed Sale	Jun 1, 2018 · Amount on File
Deed Document Number	20186595
Prior Transfer Date	May 29, 2018
Prior Transfer Doc	201806595
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LASALLE IL
Property Address	433 CONGRESS ST, OTTAWA, IL 61350-3013
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202005399
Date	Apr 21, 2020
Instrument	202005399

Lender

Name	OTTAWA SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	LASALLE IL
Recording Date	Jun 1, 2018
Property Address	433 CONGRESS ST, OTTAWA, IL 61350-3013
Document Number	201806595
Instrument Date	May 29, 2018
Instrument	201806595
Transaction Type	Transfer
Record Updated	Jun 7, 2021
Title Company	WHEATLAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$304.50
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 CONGRESS ST, OTTAWA, IL 61350-3013

Mortgage

Document Number	201806596
Date	Jun 1, 2018
Instrument	201806596

Lender

Name	OTTAWA SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	4.75%

Tax Assessment & Valuation

The 2025 property tax bill for 433 Congress St was $9,531, up 8.2% 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	$9,531.00 (+8.2%)	$101,019 (+10.36%) Land $8,437 Building $92,582	$303,057 (+10.36%) Land $25,311 Building $277,746
2024	$8,809.00	$91,536 (+11.73%) Land $7,645 Building $83,891	$274,608 (+11.73%) Land $22,935 Building $251,673
2023		$81,926 (+10.18%) Land $6,842 Building $75,084	$245,778 (+10.18%) Land $20,526 Building $225,252
2022		$74,357 Land $10,312 Building $64,045	$223,071 Land $30,936 Building $192,135

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 433 Congress 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 433 Congress 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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