515 David Dr, Winnebago, IL 61088 Property Records

Winnebago County property record for 515 David Dr, Winnebago, IL 61088

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,976 sqft · built 1994
Lot Size	0.255 acres (11,120 sqft)
Owner	2 Individual Names on File
Last Sale	$160,500 (Apr 2017)
Tax Bill	$5,673 (2025)
Deeds & Mortgages	May 2021 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`520B232`

Property Details

APN / Parcel Number

Primary APN	`520B232`
Alternative APN	`1416128005`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,976 sqft Living Area
1st Floor Area	1,488 sqft
Basement Area	1,488 sqft
Finished Basement	1,488 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	11,120 sqft (0.255 acres)
Lot Dimensions	139 ft deep x 80 ft wide
Garage Area	690 sqft
Shed	1 Shed
Shed Area	931 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	520B232
Street Address	515 DAVID DR
City	WINNEBAGO
State	IL
Zip	61088-9697
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLAT NO 1 RESH FARM SUB BNG PT E1/2 NW1/4 SEC 16-26-11 LOT 22
Legal Range	11
Legal Township	26
Legal Section	16
Legal Subdivision	PLAT NO 1 RESH FARM SUB
Legal Lot Number	22
Jurisdiction	WINNEBAGO IL
Township / Civil Division	WINNEBAGO
Census Block Group	2
Census Block	2058
Census Tract	4200

Owner

515 David Dr is owned and occupied by two individuals who bought it in April 2017.

Source: Winnebago County records, as of July 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	515 DAVID DR, WINNEBAGO, IL 61088-9697
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE
Apr 21, 2017	Warranty Deed, Transfer · Conventional with PMI ALPINE BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2017 · Amount on File
Deed Sale	Apr 21, 2017 · Amount on File
Prior Sale	Oct 31, 1994 · Amount on File
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	515 DAVID DR, WINNEBAGO, IL 61088-9697
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018071
Date	May 25, 2021
Instrument	2118071

Lender

Name	NATIONSTAR MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Apr 21, 2017
Property Address	515 DAVID DR, WINNEBAGO, IL 61088-9697
Document Number	0001012133
Instrument Date	Apr 20, 2017
Instrument	1012133
Transaction Type	Transfer
Record Updated	May 3, 2017
Title Company	TITLE UNDERWRITERS AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	515 DAVID DR WINNEBAGO IL 610889697, WINNEBAGO, IL 61088-9697

Mortgage

Document Number	1012134
Date	Apr 21, 2017
Instrument	1012134

Lender

Name	ALPINE BK&TR
Type	Bank
Address	ROCKFORD, IL 61107

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 20, 2047

Interest

Rate Type	Fixed Rate
Rate	4.37%

Tax Assessment & Valuation

The 2025 property tax bill for 515 David Dr was $5,673 with a homeowner's exemption.

Source: Winnebago County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Winnebago County
County Subdivision	Winnebago Township
Municipality	Winnebago Village
Unified School District	Winnebago Community Unit School District 323 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,673.00	$74,575 Land $13,670 Building $60,905	$223,725 Land $41,010 Building $182,715
2022	Homeowner's exemption	$56,717 Land $10,501 Building $46,216	$170,151 Land $31,503 Building $138,648

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 515 David Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 12, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 515 David Dr has no burnable land within ember reach, 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 burnable land within 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	WINNEBAGO serves 2,940 people · EPA ID IL2010500
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	6 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 261 locations within half a mile, as of December 31, 2025

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

May also be available: AaroBand.

Cell Coverage

5G (outdoors only) and 4G LTE

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