520 W 7th St, Pecatonica, IL 61063 Property Records

Winnebago County property record for 520 W 7th St, Pecatonica, IL 61063

Property Summary

Property Type	Single Family Home
Details	1,456 sqft · built 1910
Lot Size	1 acre (43,560 sqft)
Owner	Individual Name on File
Last Sale	$70,000 (May 2017)
Tax Bill	$2,544 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-29-404-010`

Property Details

APN / Parcel Number

Primary APN	`09-29-404-010`
Alternative APNs	`929404010` `461D323G`

Interior

Building Area	1,456 sqft Living Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Lot Area	43,560 sqft

Location & Zoning

Street Address	520 W 7TH ST
City	PECATONICA
State	IL
Zip	61063-9742
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 471.9 FT SE 1/4 LYING S OF 7TH ST (EXC S 1539.52 FT) & (EXC NE COR MEASURING 226 FT ON E LINE & 165 FT ON S LINE) & (EXC NW COR MEASURING 277 FT ON E
Legal Lot Number	23
Jurisdiction	WINNEBAGO IL
Township / Civil Division	PECATONICA
Census Block Group	2
Census Block	2009
Census Tract	4300

Owner

520 W 7th St is owned and occupied by an individual who bought it in May 2017.

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

Owner of Record	Individual Name on File
Mailing Address	520 W 7TH ST, PECATONICA, IL 61063-9742
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
Sep 27, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Dec 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BK
May 25, 2017	Warranty Deed, Transfer · Conventional Mortgage ALPINE BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 25, 2017 · Amount on File
Deed Sale	May 25, 2017 · Amount on File
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	520 W 7TH ST, PECATONICA, IL 61063-9742
Transaction Type	Mortgage
Record Updated	Oct 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022564
Date	Sep 27, 2023
Instrument	2322564

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

Interest

Rate Type	Fixed Rate
Rate	10.1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	520 W 7TH ST, PECATONICA, IL 61063-9742
Document Number	0001039401
Instrument Date	Dec 4, 2020
Transaction Type	Mortgage
Record Updated	Mar 16, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 W 7TH ST PECATONICA IL 610639742, PECATONICA, IL 61063-9742

Mortgage

Document Number	0001039401
Date	Dec 21, 2020
Instrument	1039401

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 20, 2050

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	May 25, 2017
Property Address	520 W 7TH ST, PECATONICA, IL 61063-9742
Document Number	0001015872
Instrument Date	May 10, 2017
Instrument	1015872
Transaction Type	Transfer
Record Updated	Aug 20, 2018
Title Company	SECURITY FIRST TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$105.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	453 W 6TH ST PECATONICA IL 610639701, PECATONICA, IL 61063-9701

Mortgage

Document Number	1015873
Date	May 25, 2017
Instrument	1015873

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 24, 2047

Interest

Rate Type	Fixed Rate
Rate	4.87%

Mortgage

Document Number	1015874,
Date	May 25, 2017
Instrument	1015874

Lender

Name	COMMUNITY DEV CORP
Type	Construction/Development Company
Address	CHICAGO, IL 60601

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 520 W 7th St was $2,544 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	Pecatonica Township
Municipality	Pecatonica Village
Unified School District	Pecatonica Community Unit School District 321 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,544.00	$58,679 Land $13,352 Building $45,327	$176,037 Land $40,056 Building $135,981
2022	Homeowner's exemption	$32,494 Land $10,539 Building $21,955	$97,482 Land $31,617 Building $65,865

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 520 W 7th 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	2 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.

Wildfire

Wildfire risk around 520 W 7th St is low, with less than 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 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	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

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 274 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
JCWIFI.com Fixed Wireless	200 / 200
AT&T Fixed Wireless	100 / 20

May also be available: AaroBand.

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