525 Pearl St, Ottawa, IL 61350 Property Records

LaSalle County property record for 525 Pearl St, Ottawa, IL 61350

Property Summary

Property Type	Single Family Home
Details	1,608 sqft · built 1905
Lot Size	0.165 acres (7,213 sqft)
Owner	Individual Name on File
Tax Bill	$4,672 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-12-142-006`

Property Details

APN / Parcel Number

Primary APN	`21-12-142-006`
Alternative APN	`18-12-159-005`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	1,608 sqft Total Area

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Lot Area	7,213 sqft (0.165 acres)

Location & Zoning

Street Address	525 PEARL ST
City	OTTAWA
State	IL
Zip	61350-3043
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREENS ADD, LT 4 BLK 13 SEC 12-33-3
Legal Range	03
Legal Township	33
Legal Section	12
Legal Subdivision	GREENS ADD
Legal Block	13
Legal Lot Number	4
Jurisdiction	LASALLE IL
Township / Civil Division	OTTAWA
Census Block Group	5
Census Block	5049
Census Tract	962300

Historic Designation

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

Historic District	Within the Ottawa East Side Historic District listed 2013 · 301 contributing resources · NRIS 13000718

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

Owner

525 Pearl St is owned and occupied by an individual.

Source: LaSalle County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	525 PEARL ST, OTTAWA, IL 61350-3043
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, 2018	Deed of Trust, Mortgage · Conventional Mortgage OTTAWA SAVINGS BANK
Sep 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage OTTAWA SAVINGS BANK
Sep 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage OTTAWA SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LASALLE IL
Property Address	525 PEARL ST, OTTAWA, IL 61350-3043
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201813094
Date	Sep 27, 2018
Instrument	201813094

Lender

Name	OTTAWA SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LASALLE IL
Property Address	525 PEARL ST, OTTAWA, IL 61350-3043
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201813094
Date	Sep 27, 2018
Instrument	201813094

Lender

Name	OTTAWA SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LASALLE IL
Property Address	525 PEARL ST, OTTAWA, IL 61350-3043
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201813094
Date	Sep 27, 2018
Instrument	201813094

Lender

Name	OTTAWA SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 525 Pearl St was $4,672, up 9% from the year before.

Source: LaSalle County assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	LaSalle County
County Subdivision	Ottawa Township
Municipality	Ottawa City
Elementary School District	Ottawa Elementary School District 141 (PK - 08)
Secondary School District	Ottawa Township High School District 140 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,672.00 (+8.96%)	$52,581 Land $8,329 Building $44,252	$157,743 Land $24,987 Building $132,756
2024	$4,288.00
2023		$42,643 (+10.18%) Land $6,755 Building $35,888	$127,929 (+10.18%) Land $20,265 Building $107,664
2022		$38,703 Land $10,312 Building $28,391	$116,109 Land $30,936 Building $85,173

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 525 Pearl St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	38 (1979–2020)
Claims Outside the SFHA	13 of 38
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 8 claims Severe Storms And Flooding, Sep 2008 · 9 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 525 Pearl 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	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	OTTAWA serves 18,097 people · EPA ID IL0990800
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Jul 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 272 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fixed Wireless	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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