520 N Richards St, Spring Valley, IL 61362 Property Records

Bureau County property record for 520 N Richards St, Spring Valley, IL 61362

Property Summary

Property Type	Single Family Home
Details	built 1976
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (Jul 2019)
Tax Bill	$6,510 (2025)
Deeds & Mortgages	Aug 2012 Mortgage Mar 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`18-34-254-013`

Property Details

APN / Parcel Number

Primary APN	`18-34-254-013`
Alternative APN	`2645`

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	100 ft deep x 100 ft wide

Location & Zoning

Account Number	1834254013
Street Address	520 N RICHARDS ST
City	SPRING VALLEY
State	IL
Zip	61362-1217
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING VALLEY-NORTHWESTERN SD L 1 (100X100') D 19-2532
Legal Range	11
Legal Township	16
Legal Section	34
Legal Subdivision	NORTHWESTERN SD
Legal Lot Number	1
Jurisdiction	BUREAU IL
Township / Civil Division	HALL
Census Block Group	3
Census Block	3054
Census Tract	965100

Owner

Source: Bureau County records, as of June 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	520 N RICHARDS ST, SPRING VALLEY, IL 61362-1217
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2012	Deed of Trust, Mortgage PERU FSB
Mar 12, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage PERU FSB
Jul 15, 2019	Warranty Deed, Transfer · Conventional Mortgage PERU FSB
Dec 30, 2005	Warranty Deed, Transfer · Conventional Mortgage AMCORE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2019 · Amount on Record
Deed Sale	Jul 15, 2019 · Amount on Record
Prior Sale	Dec 30, 2005 · Amount on Record
Deed Document Number	20192532
Last Transfer Date	Mar 12, 2026
Transfer Doc	2026R00847
Record Updated	Oct 29, 2026

August 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUREAU IL
Property Address	520 N RICHARDS ST, SPRING VALLEY, IL 61362-1217
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201203608
Date	Aug 15, 2012
Instrument	201203608

Lender

Name	PERU FSB
Address	PERU, IL 61354

Agreement

Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2027

Interest

Rate	3.5%

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUREAU IL
Recording Date	Mar 12, 2026
Property Address	520 N RICHARDS ST, SPRING VALLEY, IL 61362-1217
Document Number	2026R00847
Instrument Date	Mar 2, 2026
Instrument	2026R00847
Transaction Type	Transfer
Record Updated	Mar 25, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	520 N RICHARDS ST, SPRING VALLEY, IL 61362-1217

Mortgage

Document Number	2026R00854
Date	Mar 12, 2026
Instrument	2026R00854

Lender

Name	PERU FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 11, 2036

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUREAU IL
Recording Date	Jul 15, 2019
Property Address	520 N RICHARDS ST, SPRING VALLEY, IL 61362-1217
Document Number	2019R02532
Instrument Date	Jun 22, 2019
Instrument	2019R02532
Transaction Type	Transfer
Record Updated	Jun 1, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$217.50
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	520 N RICHARDS ST, SPRING VALLEY, IL 61362-1217

Mortgage

Document Number	2019R02533
Date	Jul 15, 2019
Instrument	2019R02533

Lender

Name	PERU FSB

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUREAU IL
Recording Date	Dec 30, 2005
Property Address	520 N RICHARDS ST, SPRING VALLEY, IL 61362-1217
Document Number	1234/425
Book / Page	1234 / 425
Instrument Date	Dec 28, 2005
Instrument	057559
Transaction Type	Transfer
Record Updated	Jun 1, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 N RICHARDS ST, SPRING VALLEY, IL 61362-1217

Mortgage

Document Number	001234/427
Date	Dec 30, 2005
Book Page	1234/427
Instrument	057560

Lender

Name	AMCORE BANK NA
Type	Bank
Address	ROCKFORD, IL 61110

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

Source: Bureau County assessment roll, as of May 8, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Bureau County
County Subdivision	Hall Township
Municipality	Spring Valley City
Secondary School District	Hall High School District 502 (09 - 12)
Elementary School District	Spring Valley Community Consolidated School District 99 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,510.00 (+8.34%) Homeowner's exemption	$69,765 (+8.56%) Land $5,976 Building $63,789	$209,295 (+8.56%) Land $17,928 Building $191,367
2024	$6,009.00 (+4.41%)	$64,264 (+6.64%) Land $5,505 Building $58,759	$192,792 (+6.64%) Land $16,515 Building $176,277
2023		$60,262 Land $5,162 Building $55,100	$180,786 Land $15,486 Building $165,300
2022	$5,755.00

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 August 2, 2011 · 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 Claims	4 (1982–2013)
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, And Flooding

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	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	SPRING VALLEY serves 5,582 people · EPA ID IL0111000
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2026–2028) 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 303 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Geneseo Communications Services Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: digiMax, Nextlink.

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