518 E Payson St, Pontiac, IL 61764 Property Records

Livingston County property record for 518 E Payson St, Pontiac, IL 61764

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 700 sqft · built 1940
Lot Size	0.145 acres (6,300 sqft)
Owner	Individual Name on Record
Last Sale	$35,000 (Oct 2020)
Tax Bill	$1,773 (2025)
Deeds & Mortgages	Jun 2025 Sale & Mortgage Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`15-15-23-380-007`

Property Details

APN / Parcel Number

Primary APN	`15-15-23-380-007`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	700 sqft Living Area
Basement Area	700 sqft
Unfinished Basement	700 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Wood
Roof Material	Asphalt
Lot Area	6,300 sqft (0.145 acres)
Lot Dimensions	126 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	336 sqft

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Street Address	518 E PAYSON ST
City	PONTIAC
State	IL
Zip	61764-2215
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15-23-380-007 LOT 50 X 126 LOT 2 & N6' VAC ALLEY LYG S & ADJ BLK 9 DRIVING PARK ADD
Legal Subdivision	DRIVING PARK ADD
Legal Block	9
Legal Lot Number	2
Jurisdiction	LIVINGSTON IL
Township / Civil Division	PONTIAC
Census Block Group	4
Census Block	4022
Census Tract	960600

Owner

Source: Livingston County records, as of June 30, 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	Individual Name on Record
Mailing Address	518 E PAYSON ST, PONTIAC, IL 61764-2215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2025	Limited Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE CORP
Dec 29, 2023	Warranty Deed, Transfer · Commercial Mortgage BANK OF PONTIAC
Oct 13, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK OF PONTIAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2020 · Amount on Record
Deed Sale	Oct 13, 2020 · Amount on Record
Deed Document Number	20204492
Record Updated	Sep 20, 2026

June 2025: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Jun 30, 2025
Property Address	518 E PAYSON ST, PONTIAC, IL 61764-2215
Document Number	2025R02684
Instrument Date	Apr 6, 2025
Instrument	2025R-02684
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$90.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	901 N CIMMERON DR, PONTIAC, IL 61764-9429

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 E PAYSON ST, PONTIAC, IL 61764-2215

Mortgage

Document Number	2025R02685
Date	Jun 30, 2025
Instrument	2025R-02685

Lender

Name	WINTRUST MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

Interest

Rate Type	Fixed Rate
Rate	8.12%

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Dec 29, 2023
Property Address	518 E PAYSON ST, PONTIAC, IL 61764-2215
Document Number	2023R04690
Instrument Date	Dec 28, 2023
Instrument	2023R-04690
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$82.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	830 E HOWARD ST, PONTIAC, IL 61764-1445
Investor	Possibly a Property Investor

Mortgage

Document Number	2023R04691
Date	Dec 29, 2023
Instrument	2023R-04691

Lender

Name	BANK OF PONTIAC
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	67 Months
Due	Jul 1, 2029

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Oct 13, 2020
Property Address	518 E PAYSON ST, PONTIAC, IL 61764-2215
Document Number	2020R04492
Instrument Date	Oct 6, 2020
Instrument	2020R-04492
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$52.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 E PAYSON ST, PONTIAC, IL 61764-2215
Investor	Possibly a Property Investor

Mortgage

Document Number	2020R04493
Date	Oct 13, 2020
Instrument	2020R-04493

Lender

Name	BANK OF PONTIAC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 1, 2026

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Livingston County assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Livingston County
County Subdivision	Pontiac Township
Municipality	Pontiac City
Elementary School District	Pontiac Community Consolidated School District 429 (PK - 08)
Secondary School District	Pontiac Township High School District 90 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,773.00 (+15.66%)	$20,230 (+32.66%) Land $2,926 Building $17,304	$60,690 (+32.66%) Land $8,778 Building $51,912
2022	$1,533.00	$15,250 Land $2,407 Building $12,843	$45,750 Land $7,221 Building $38,529

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

Source: FEMA National Flood Hazard Layer, effective July 14, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 52 policies
Nearby Flood Policies	52 in force
Nearby Flood Claims	140 (1979–2020)
Claims Outside the SFHA	2 of 140
Most Recent Claim	May 2020 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jan 2008 · 76 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% 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	IL AMERICAN-PONTIAC private · serves 11,864 people · EPA ID IL1055030
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	2 ppb (2025) action level 15 ppb
Copper	1.36 mg/L (2015–2017) 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 163 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
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink, Watch TV.

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