Winnebago County property record for 438 W 4th St, Pecatonica, IL 61063
| Property Type | Single Family Home |
|---|---|
| Details | 1,617 sqft · built 1946 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $149,000 (Apr 2022) |
| Tax Bill | $3,923 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Jul 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-29-256-006 |
| Primary APN | 09-29-256-006 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,617 sqft Living Area |
|---|
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 675 sqft |
| Street Address | 438 W 4TH ST |
|---|---|
| City | PECATONICA |
| State | IL |
| Zip | 61063-7715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E66FT W396FT N148 1/2FT OF LOT 6 E OFJOHN STREET SEC: 29 TWP: 027 RANGE: 010 ACRES: 0.23 |
| Legal Range | 10E |
| Legal Township | 27N |
| Legal Section | 29 |
| Legal Lot Number | 6 |
| Jurisdiction | WINNEBAGO IL |
| Township / Civil Division | PECATONICA |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 4300 |
438 W 4th St is owned and occupied by two individuals who bought it in April 2022.
Source: Winnebago County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 438 W 4TH ST, PECATONICA, IL 61063-7715 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 11, 2022 | Warranty Deed, Transfer · FHA Mortgage WINTRUST MORTGAGE CORP |
| Jul 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BYRON BANK |
| Jul 30, 2020 | Quit Claim Deed, Transfer BYRON BK |
| Nov 27, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BYRON BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 11, 2022 · Amount on File |
| Deed Sale | Apr 11, 2022 · Amount on File |
| Prior Sale | Jun 1, 1991 · Amount on File |
| Deed Document Number | 202211343 |
| Prior Transfer Date | Jun 15, 2020 |
| Prior Transfer Doc | 0001020975 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Recording Date | Apr 11, 2022 |
| Property Address | 438 W 4TH ST, PECATONICA, IL 61063-7715 |
| Document Number | 0000011343 |
| Instrument Date | Apr 8, 2022 |
| Instrument | 2211343 |
| Transaction Type | Transfer |
| Record Updated | May 4, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $223.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 438 W 4TH ST, PECATONICA, IL 61063-7715 |
| Document Number | 0000011344 |
|---|---|
| Date | Apr 11, 2022 |
| Instrument | 2211344 |
| Name | WINTRUST MORTGAGE CORP |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 4.63% |
|---|
| Document Number | 0000011345 |
|---|---|
| Date | Apr 11, 2022 |
| Instrument | 2211345 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 438 W 4TH ST, PECATONICA, IL 61063-7715 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000025760 |
|---|---|
| Date | Jul 22, 2021 |
| Instrument | 2125760 |
| Name | BYRON BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Recording Date | Jul 30, 2020 |
| Property Address | 438 W 4TH ST, PECATONICA, IL 61063-7715 |
| Document Number | 0001020975 |
| Instrument Date | Jun 15, 2020 |
| Instrument | 1020975 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2020 |
| Title Company | TITLE UNDERWRITERS AGENCY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 438 W 4TH ST PECATONICA IL 610637715, PECATONICA, IL 61063-7715 |
| Investor | Possibly a Property Investor |
| Document Number | 1020976 |
|---|---|
| Date | Jul 30, 2020 |
| Instrument | 1020976 |
| Name | BYRON BK |
|---|---|
| Type | Bank |
| Address | BYRON, IL 61010 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Jul 29, 2040 |
| Rate | 2.9% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 438 W 4TH ST, PECATONICA, IL 61063-7715 |
| Document Number | 0001041115 |
| Instrument Date | Nov 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2020 |
| Title Company | TITLE UNDERWRITERS AGENCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 438 W 4TH ST PECATONICA IL 610637715, PECATONICA, IL 61063-7715 |
| Document Number | 0001041115 |
|---|---|
| Date | Dec 11, 2019 |
| Instrument | 1041115 |
| Name | BYRON BK |
|---|---|
| Type | Bank |
| Address | BYRON, IL 61010 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 10, 2039 |
| Rate | 3.96% |
|---|
The 2025 property tax bill for 438 W 4th St was $3,923 with exemptions applied, up 1.1% from the year before.
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 | $3,923.00 (+1.06%) Homeowner's exemption Disabled Person's exemption | $62,235 (+7.41%) Land $4,880 Building $57,355 | $186,705 (+7.41%) Land $14,640 Building $172,065 |
| 2024 | $3,882.00 | $57,941 Land $4,543 Building $53,398 | $173,823 Land $13,629 Building $160,194 |
| 2022 | Homeowner's exemption | $49,123 Land $3,852 Building $45,271 | $147,369 Land $11,556 Building $135,813 |
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.
FEMA maps place 438 W 4th St in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 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.
No wildfire likelihood is modeled around 438 W 4th St, 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 wildfire likelihood modeled here |
|---|
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 108 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| JCWIFI.com Fixed Wireless | 200 / 200 |
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