515 Clay St, Warsaw, IL 62379 Property Records

Hancock County property record for 515 Clay St, Warsaw, IL 62379

Property Summary

Property Type	Single Family Home
Lot Size	0.205 acres (8,955 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Feb 2026)
Tax Bill	$2,363 (2025)
Deeds & Mortgages	Feb 2026 Transfer Feb 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-09-381-040`

Property Details

APN / Parcel Number

Primary APN	`15-09-381-040`

Exterior

Lot Area	8,955 sqft (0.205 acres)

Location & Zoning

Street Address	515 CLAY ST
City	WARSAW
State	IL
Zip	62379-1107
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S09 T4 R9 O T LOT 2 BLK 43 WARSAW
Legal Range	09
Legal Township	04
Legal Section	09
Legal Subdivision	ORIGINAL TOWN NOW
Legal Block	43
Legal Lot Number	2
Jurisdiction	HANCOCK IL
Township / Civil Division	WARSAW
Census Block Group	1
Census Block	1031
Census Tract	954200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Warsaw Historic District listed 1977 · 93 contributing resources · NRIS 77000486

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

515 Clay St is owned and occupied by an individual who bought it in February 2026.

Source: Hancock County records, as of August 31, 2026

Owner of Record	Individual Name on File
Mailing Address	515 CLAY ST, WARSAW, IL 62379-1107
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
Feb 4, 2026	Intrafamily Transfer, Transfer
Feb 4, 2026	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Nov 1, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 4, 2026 · Amount on File
Deed Sale	Feb 4, 2026 · Amount on File
Prior Sale	Jan 14, 2026 · Amount on File
Deed Document Number	2026288
Prior Transfer Date	Jan 21, 2026
Prior Transfer Doc	0000000289
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HANCOCK IL
Recording Date	Feb 4, 2026
Property Address	515 CLAY ST, WARSAW, IL 62379-1107
Document Number	0020260289
Instrument Date	Jan 21, 2026
Instrument	2026-0289
Transaction Type	Transfer
Record Updated	Apr 21, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 CLAY ST, WARSAW, IL 62379-1107

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK IL
Recording Date	Feb 4, 2026
Property Address	515 CLAY ST, WARSAW, IL 62379-1107
Document Number	0020260288
Instrument Date	Jan 14, 2026
Instrument	2026-0288
Transaction Type	Transfer
Record Updated	Apr 22, 2026
Title Company	T TITLE, TL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 CLAY ST, WARSAW, IL 62379-1107

Mortgage

Document Number	0020260290
Date	Feb 4, 2026
Instrument	2026-0290

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK IL
Recording Date	Nov 1, 2024
Property Address	515 CLAY ST, WARSAW, IL 62379-1107
Document Number	0020242334
Instrument Date	Nov 1, 2024
Instrument	2024-2334
Transaction Type	Transfer
Record Updated	Jun 16, 2026

Transaction

Amount	Amount on Record
Tax	$78.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 423, OAKVILLE, WA 98568-0423

Tax Assessment & Valuation

The 2025 property tax bill for 515 Clay St was $2,363.

Source: Hancock County assessment roll, as of July 20, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Hancock County
County Subdivision	Warsaw Township
Municipality	Warsaw City
Unified School District	Warsaw Community Unit School District 316 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,363.00 Homeowner's exemption Senior Citizen's exemption	$28,538 (-) Land $1,862 Building $26,676	$85,614 Land $5,586 Building $80,028
2024	$2,363.00	$28,538 Land $1,862 Building $26,676
2023			$85,614 (+17.53%) Land $5,586 Building $80,028
2022	$941.00 Homeowner's exemption	$24,282 (+13.39%) Land $1,585 Building $22,697	$72,846 (+13.39%) Land $4,755 Building $68,091
2021		$21,415 Land $1,398 Building $20,017	$64,245 Land $4,194 Building $60,051

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 515 Clay St in Zone X, an area of minimal flood risk, though there have been 50 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective October 16, 2009 · 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 8 (10% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	50 (1979–2019)
Claims Outside the SFHA	5 of 50
Most Recent Claim	Jun 2019 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2019 · 16 claims Severe Storms & Flooding, Jul 1993 · 27 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 515 Clay 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	WARSAW serves 1,480 people · EPA ID IL0670650
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 158 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
MTC Communications Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Clay St

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