438 E Lincoln Ave, Onarga, IL 60955 Property Records

Iroquois County property record for 438 E Lincoln Ave, Onarga, IL 60955

Property Summary

Property Type	Single Family Home
Lot Size	0.527 acres (22,989 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,564 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jan 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23 19 426 010`

Property Details

APN / Parcel Number

Primary APN	`23 19 426 010`

Exterior

Lot Area	22,989 sqft (0.527 acres)

Location & Zoning

Street Address	438 E LINCOLN AVE
City	ONARGA
State	IL
Zip	60955-1315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TENTH ADD W 91.5' LT 2 & E 12.5' LT 3 BLK 1
Legal Subdivision	TENTH ADD
Legal Block	1
Legal Lot Number	2,3
Jurisdiction	IROQUOIS IL
Township / Civil Division	ONARGA
Census Block Group	3
Census Block	3084
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	2 Individual Names on Record
Mailing Address	438 E LINCOLN AVE, ONARGA, IL 60955-1315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2020	Deed of Trust, Mortgage IROQUOIS FARMERS STATE BANK
Jan 9, 2019	Deed of Trust, Mortgage · Closed-End Mortgage FIRST STATE BANK OF FORREST
Oct 4, 2017	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK OF FORREST

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	438 E LINCOLN AVE, ONARGA, IL 60955-1315
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 E LINCOLN AVE, ONARGA, IL 60955-1315

Mortgage

Document Number	20R2182
Date	Jul 20, 2020
Instrument	20R2182

Lender

Name	IROQUOIS FARMERS STATE BANK
Type	Bank
Address	GILMAN, IL 60938

Agreement

Amount	Amount Recorded
Term	63 Months
Due	Oct 1, 2025

Interest

Rate	4.25%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	438 E LINCOLN AVE, ONARGA, IL 60955-1315
Transaction Type	Mortgage
Record Updated	Feb 18, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	19R0062
Date	Jan 9, 2019
Instrument	19R0062

Lender

Name	FIRST STATE BANK OF FORREST
Type	Bank
Address	FAIRBURY, IL 61739

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Dec 24, 2023

Interest

Rate	5.44%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	438 E LINCOLN AVE, ONARGA, IL 60955-1315
Transaction Type	Mortgage
Record Updated	Nov 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 17R2986
Date	Oct 4, 2017
Instrument	17R2986

Lender

Name	FIRST STATE BANK OF FORREST
Type	Bank
Address	FAIRBURY, IL 61739

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	$6,564.00 (+33.2%)	$87,940 (+26.57%) Land $5,650 Building $82,290	$263,820 (+26.57%) Land $16,950 Building $246,870
2022	$4,928.00 Homeowner's exemption Senior Citizen's exemption	$69,480 Land $4,470 Building $65,010	$208,440 Land $13,410 Building $195,030

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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.

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