539 Chapel St, Ottawa, IL 61350 Property Records

LaSalle County property record for 539 Chapel St, Ottawa, IL 61350

Property Summary

Property Type	Single Family Home
Details	1,890 sqft · built 1888
Lot Size	0.163 acres (7,132 sqft)
Owner	Individual Name on File
Tax Bill	$6,777 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-12-137-006`

Property Details

APN / Parcel Number

Primary APN	`21-12-137-006`
Alternative APN	`18-12-156-006`

Interior

Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,890 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1888
Effective Year Built	Effective 1888
Lot Area	7,132 sqft (0.163 acres)

Location & Zoning

Street Address	539 CHAPEL ST
City	OTTAWA
State	IL
Zip	61350-3003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREEN'S ADD, LT 2 BLK 6 SEC 12-33-3
Legal Range	03
Legal Township	33
Legal Section	12
Legal Subdivision	GREENS ADD
Legal Block	6
Legal Lot Number	2
Jurisdiction	LASALLE IL
Township / Civil Division	OTTAWA
Census Block Group	5
Census Block	5010
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

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

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

Owner of Record	Individual Name on File
Mailing Address	539 CHAPEL ST, OTTAWA, IL 61350-3003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 18, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LASALLE IL
Property Address	539 CHAPEL ST, OTTAWA, IL 61350-3003
Transaction Type	Mortgage
Record Updated	Mar 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202401604
Date	Feb 21, 2024
Instrument	2024-01604

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LASALLE IL
Property Address	539 CHAPEL ST, OTTAWA, IL 61350-3003
Transaction Type	Mortgage
Record Updated	Oct 31, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201716487
Date	Oct 18, 2017
Instrument	201716487

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	IL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$6,777.00 (+8.5%)	$73,558 (+23.3%) Land $8,235 Building $65,323	$220,674 (+23.3%) Land $24,705 Building $195,969
2024	$6,246.00
2023		$59,656 (+10.18%) Land $6,679 Building $52,977	$178,968 (+10.18%) Land $20,037 Building $158,931
2022		$54,144 Land $11,410 Building $42,734	$162,432 Land $34,230 Building $128,202

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

Flood

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 Record 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

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

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 Communications Cable · Fixed Wireless	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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