Ogle County property record for 540 S Harmony Rd, Oregon, IL 61061
| Property Type | Rural Home |
|---|---|
| Details | 1,669 sqft · built 2006 |
| Lot Size | 13.9 acres (607,662 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,364 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Oct 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-02-300-013 |
| Primary APN | 15-02-300-013 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 1,669 sqft Living Area |
| Basement Area | 1,669 sqft |
| Unfinished Basement | 1,669 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Lot Area | 607,662 sqft (13.9 acres) |
| Garage Area | 900 sqft |
| Street Address | 540 S HARMONY RD |
|---|---|
| City | OREGON |
| State | IL |
| Zip | 61061-9208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | SW |
| Jurisdiction | OGLE IL |
| Township / Civil Division | PINE CREEK |
| Census Block Group | 1 |
| Census Block | 1057 |
| Census Tract | 960900 |
540 S Harmony Rd, a rural home, is owned and occupied by an individual.
Source: Ogle County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 540 S HARMONY RD, OREGON, IL 61061-9208 |
| 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.
| Date | Document |
|---|---|
| Dec 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BYRON BANK |
| Oct 28, 2020 | Loan Modification, Mortgage BYRON BK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OGLE IL |
| Property Address | 540 S HARMONY RD, OREGON, IL 61061-9232 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000009349 |
|---|---|
| Date | Dec 1, 2020 |
| Instrument | 202009349 |
| Name | BYRON BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OGLE IL |
| Property Address | 540 S HARMONY RD, OREGON, IL 61061-9232 |
| Document Number | 0000008870 |
| Instrument Date | Oct 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 540 S HARMONY RD OREGON IL 610619232, OREGON, IL 61061-9232 |
| Document Number | 0000008870 |
|---|---|
| Date | Nov 16, 2020 |
| Instrument | 8870 |
| Name | BYRON BK |
|---|---|
| Type | Bank |
| Address | BYRON, IL 61010 |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 540 S Harmony Rd was $3,364.
Source: Ogle County assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Ogle County |
| County Subdivision | Pine Creek Township |
| Unified School District | Oregon Community Unit School District 220 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,364.00 | $81,805 Land $17,051 Building $64,754 | |
| 2023 | $65,021 Land $10,963 Building $54,058 | ||
| 2022 | $3,248.00 | ||
| 2021 | $165,165 Land $27,129 Building $138,036 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 540 S Harmony Rd in Zone X, an area of minimal flood risk, though there have been 45 flood claims nearby since 1978.
Source: FEMA National Flood Hazard Layer, effective December 30, 2020 · 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 45 (1978–2013) |
| Claims Outside the SFHA | 1 of 45 |
| Most Recent Claim | Apr 2013 · Severe Storms, Straight-line Winds, And Flooding |
| Claims by Event |
|
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 risk around 540 S Harmony Rd 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 93% of the US · above 42% 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.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Verizon Fixed Wireless | 25 / 6 |
| Rise Broadband Fixed Wireless | 25 / 5 |
5G (outdoors only) and 4G LTE
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