Winnebago County property record for 438 Jefferson St, Pecatonica, IL 61063
| Property Type | Single Family Home |
|---|---|
| Details | 2,090 sqft · built 1960 |
| Lot Size | 0.69 acres (30,056 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,071 (2025) |
| Deeds & Mortgages | Jul 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-28-178-001 |
| Primary APN | 09-28-178-001 |
|---|---|
| Alternative APNs |
|
| Building Area | 2,090 sqft Living Area |
|---|
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Lot Area | 30,056 sqft (0.69 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Account Number | 460B303 |
|---|---|
| Street Address | 438 JEFFERSON ST |
| City | PECATONICA |
| State | IL |
| Zip | 61063-9110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | O G WELLS ADDN ALL THAT PT LOTS 9-11 +12 LYG SLY + WLY OF ELEC RY + EXC ELEC RY ALL LOTS 13-14-15 + 016 |
| Legal Subdivision | O G WELLS ADDN |
| Legal Lot Number | 16 |
| Jurisdiction | WINNEBAGO IL |
| Township / Civil Division | PECATONICA |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 4300 |
438 Jefferson St is owned and occupied by two individuals.
Source: Winnebago County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 242, PECATONICA, IL 61063-0242 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 438 JEFFERSON ST, PECATONICA, IL 61063-9110 |
| Document Number | 0001025762 |
| Instrument Date | Jul 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2019 |
| Title Company | TITLE UNDERWRITERS AGENCY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 438 JEFFERSON ST PECATONICA IL 610639110, PECATONICA, IL 61063-9110 |
| Document Number | 0001025762 |
|---|---|
| Date | Aug 2, 2019 |
| Instrument | 1025762 |
| Name | GERMAN AMERICAN ST BK |
|---|---|
| Address | GERMAN VALLEY, IL 61039 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
The 2025 property tax bill for 438 Jefferson St was $4,071 with exemptions applied.
Source: Winnebago County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Winnebago County |
| County Subdivision | Pecatonica Township |
| Municipality | Pecatonica Village |
| Unified School District | Pecatonica Community Unit School District 321 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,071.00 | $67,272 Land $4,145 Building $63,127 | $201,816 Land $12,435 Building $189,381 |
| 2022 | Homeowner's exemption | $53,097 Land $3,271 Building $49,826 | $159,291 Land $9,813 Building $149,478 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 438 Jefferson 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 July 12, 2023 · 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 |
| Nearby Flood Policies | 2 in force |
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 risk around 438 Jefferson St is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PECATONICA serves 2,195 people · EPA ID IL2010250 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2024 |
| Lead | 3 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 206 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| JCWIFI.com Fixed Wireless | 200 / 200 |
May also be available: AaroBand.
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