545 Northwestern St, Spring Valley, IL 61362 Property Records

Bureau County property record for 545 Northwestern St, Spring Valley, IL 61362

Property Summary

Property Type	Single Family Home
Details	built 2007
Lot Size	0.83 acres (36,155 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Aug 2010)
Tax Bill	$11,883 (2025)
Deeds & Mortgages	Jul 2021 Mortgage May 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18-33-253-027`

Property Details

APN / Parcel Number

Primary APN	`18-33-253-027`
Alternative APN	`395CA1A1`

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Lot Area	36,155 sqft (0.83 acres)

Location & Zoning

Account Number	1833253027
Street Address	545 NORTHWESTERN ST
City	SPRING VALLEY
State	IL
Zip	61362-1013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING VALLEY-MILLER'S SUB. LOT 1 D 20-0594
Legal Range	11
Legal Township	16
Legal Section	33
Legal Subdivision	MILLERS SUB
Legal Lot Number	1
Jurisdiction	BUREAU IL
Township / Civil Division	HALL
Census Block Group	4
Census Block	4002
Census Tract	965200

Owner

545 Northwestern St is owned and occupied by an individual who bought it in August 2010.

Source: Bureau County records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	545 NORTHWESTERN ST, SPRING VALLEY, IL 61362-1013
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

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
Jul 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN NATIONAL BANK
May 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN NATIONAL BANK
May 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN NATIONAL BANK
Jan 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN NATIONAL BANK
Feb 14, 2020	Warranty Deed, Transfer · Balloon Mortgage HOMETOWN NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2010 · Amount on File
Deed Sale	Aug 13, 2010 · Amount on File
Prior Sale	Sep 12, 2007 · Amount on File
Deed Document Number	2010_03760
Deed Book / Page	1470 / 467
Prior Transfer Date	Jan 20, 2010
Prior Transfer Doc	1444/316
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUREAU IL
Property Address	545 NORTHWESTERN ST, SPRING VALLEY, IL 61362-1013
Transaction Type	Mortgage
Record Updated	Aug 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R03117
Date	Jul 14, 2021
Instrument	2021R03117

Lender

Name	HOMETOWN NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUREAU IL
Property Address	545 NORTHWESTERN ST, SPRING VALLEY, IL 61362-1013
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R01842
Date	May 8, 2020
Instrument	2020R01842

Lender

Name	HOMETOWN NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUREAU IL
Property Address	545 NORTHWESTERN ST, SPRING VALLEY, IL 61362-1013
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020R01838
Date	May 8, 2020
Instrument	2020R01838

Lender

Name	HOMETOWN NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2035

Interest

Rate Type	Fixed Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUREAU IL
Property Address	545 NORTHWESTERN ST, SPRING VALLEY, IL 61362-1013
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R00092
Date	Jan 11, 2021
Instrument	2021R00092

Lender

Name	HOMETOWN NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	7 Months
Due	Aug 6, 2021

Interest

Rate Type	Fixed Rate

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUREAU IL
Recording Date	Feb 14, 2020
Property Address	545 NORTHWESTERN ST, SPRING VALLEY, IL 61362-1013
Document Number	2020R00594
Instrument Date	Feb 10, 2020
Instrument	2020R00594
Transaction Type	Transfer
Record Updated	Jun 1, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	892 WARWICK LN, LAKE ZURICH, IL 60047-2797

Mortgage

Document Number	2020R00595
Date	Feb 14, 2020
Instrument	2020R00595

Lender

Name	HOMETOWN NATIONAL BANK

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 545 Northwestern St was $11,883 with a homeowner's exemption, up 3.1% from the year before.

Source: Bureau County assessment roll, as of May 8, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Bureau County
County Subdivision	Hall Township
Municipality	Spring Valley City
Secondary School District	Hall High School District 502 (09 - 12)
Elementary School District	Spring Valley Community Consolidated School District 99 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,883.00 (+3.14%) Homeowner's exemption	$127,396 (+8.56%) Land $3,492 Building $123,904	$382,188 (+8.56%) Land $10,476 Building $371,712
2024	$11,521.00	$117,351 (+6.64%) Land $3,217 Building $114,134	$352,053 (+6.64%) Land $9,651 Building $342,402
2023		$110,044 Land $3,017 Building $107,027	$330,132 Land $9,051 Building $321,081
2022	$11,085.00

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 545 Northwestern St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 2, 2011

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 545 Northwestern 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	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	SPRING VALLEY serves 5,582 people · EPA ID IL0111000
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 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 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Geneseo Communications Services Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
Nextlink Fixed Wireless	100 / 20

May also be available: IVNet.

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