Winnebago County property record for 5431 Torque Rd, Loves Park, IL 61111
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,352 sqft · built 2000 |
| Lot Size | 0.193 acres (8,415 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $119,000 (May 2004) |
| Tax Bill | $4,408 (2025) |
| Deeds & Mortgages | May 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-21-328-011 |
| Primary APN | 08-21-328-011 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,352 sqft Living Area |
| 1st Floor Area | 676 sqft |
| Basement Area | 676 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Old Style |
| Exterior Material | Concrete |
| Roof Material | Asphalt |
| Lot Area | 8,415 sqft (0.193 acres) |
| Lot Dimensions | 119 ft deep x 70 ft wide |
| Garage Area | 440 sqft |
| Deck Area | 256 sqft |
| Heating System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 129C395 |
|---|---|
| Street Address | 5431 TORQUE RD |
| City | LOVES PARK |
| State | IL |
| Zip | 61111-7193 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 - SINGL |
| Legal Description | HART FARM NO 2 PT N 1/2 SW 1/4 SEC 21-45-2 LOT 95 |
| Legal Range | 2 |
| Legal Township | 45 |
| Legal Section | 21 |
| Legal Subdivision | HART FARM 2 |
| Legal Lot Number | 95 |
| Jurisdiction | WINNEBAGO IL |
| Township / Civil Division | HARLEM |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 3811 |
5431 Torque Rd is owned and occupied by two individuals who bought it in May 2004.
Source: Winnebago County records, as of July 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5431 TORQUE RD, LOVES PARK, IL 61111-7193 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 3, 2004 · Amount on File |
| Deed Sale | May 3, 2004 · Amount on File |
| Deed Document Number | 2004431013 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WINNEBAGO IL |
| Property Address | 5431 TORQUE RD, LOVES PARK, IL 61111-7193 |
| Document Number | 0001013461 |
| Instrument Date | May 10, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2018 |
| Title Company | NATIONALLINK |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5431 TORQUE RD LOVES PARK IL 611117193, LOVES PARK, IL 61111-7193 |
| Document Number | 0001013461 |
|---|---|
| Date | May 15, 2018 |
| Instrument | 1013461 |
| Name | PNC BK/OH |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 14, 2033 |
| Rate | 4.12% |
|---|
The 2025 property tax bill for 5431 Torque Rd was $4,408 with a homeowner's exemption.
Source: Winnebago County assessment roll, as of July 28, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Winnebago County |
| County Subdivision | Harlem Township |
| Municipality | Loves Park City |
| Unified School District | Harlem Unit School District 122 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,408.00 | $61,345 Land $13,424 Building $47,921 | $184,035 Land $40,272 Building $143,763 |
| 2022 | Homeowner's exemption | $45,189 Land $9,889 Building $35,300 | $135,567 Land $29,667 Building $105,900 |
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.
FEMA maps place 5431 Torque Rd 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 | 1 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 risk around 5431 Torque Rd 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LOVES PARK serves 23,335 people · EPA ID IL2010150 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 268 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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