604 S Union St, Dwight, IL 60420 Property Records

Livingston County property record for 604 S Union St, Dwight, IL 60420

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,086 sqft · built 1916
Lot Size	0.61 acres (26,572 sqft)
Owner	Individual Name on Record
Last Sale	$109,500 (Sep 2018)
Tax Bill	$4,580 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Feb 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-05-10-152-012`

Property Details

APN / Parcel Number

Primary APN	`05-05-10-152-012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,086 sqft Living Area
Basement Area	1,043 sqft
Unfinished Basement	1,043 sqft

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Roof Material	Asphalt
Lot Area	26,572 sqft (0.61 acres)
Lot Dimensions	208 ft deep x 126 ft wide
Garage Type	Attached
Garage Area	682 sqft

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Street Address	604 S UNION ST
City	DWIGHT
State	IL
Zip	60420-1544
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	05-10-152-012 LOT 126.36 X 208.72 N126.36' S276.36' W208.72' W NW SUB OF W1/2 SEC 10-30-7
Legal Range	07
Legal Township	30
Legal Section	10
Legal Lot Number	126
Jurisdiction	LIVINGSTON IL
Township / Civil Division	DWIGHT
Census Block Group	3
Census Block	3038
Census Tract	960100

Owner

Source: Livingston County records, as of June 30, 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	Individual Name on Record
Mailing Address	604 S UNION ST, DWIGHT, IL 60420-1544
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2024	Warranty Deed, Transfer · FHA Mortgage FEDERAL SAVINGS BANK
Feb 5, 2024	Warranty Deed, Transfer · FHA Mortgage FEDERAL SAVINGS BANK
Sep 11, 2018	Warranty Deed, Transfer · Conventional Mortgage STC CAPITAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2018 · Amount on Record
Deed Sale	Sep 11, 2018 · Amount on Record
Deed Document Number	20183605
Record Updated	Sep 20, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Jan 18, 2024
Property Address	604 S UNION ST, DWIGHT, IL 60420-1544
Document Number	2024R00228
Instrument Date	Jan 5, 2024
Instrument	2024R-00228
Transaction Type	Transfer
Record Updated	Jan 31, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$253.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	700 E MEADE ST, PONTIAC, IL 61764-1425

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 S UNION ST, DWIGHT, IL 60420-1544

Mortgage

Document Number	2024R00229
Date	Jan 18, 2024
Instrument	2024R-00229

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Fixed Rate
Rate	7%

Mortgage

Document Number	2024R00230
Date	Jan 18, 2024
Instrument	2024R-00230

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Feb 1, 2034

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Feb 5, 2024
Property Address	604 S UNION ST, DWIGHT, IL 60420-1544
Document Number	2024R00432
Instrument Date	Jan 5, 2024
Instrument	2024R-00432
Transaction Type	Transfer
Record Updated	Feb 21, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$253.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 S UNION ST, DWIGHT, IL 60420-1544

Mortgage

Document Number	2024R00433
Date	Feb 5, 2024
Instrument	2024R-00433

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2054

Interest

Rate Type	Fixed Rate
Rate	7%

Mortgage

Document Number	2024R00434
Date	Feb 5, 2024
Instrument	2024R-00434

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 1, 2034

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Sep 11, 2018
Property Address	604 S UNION ST, DWIGHT, IL 60420-1544
Document Number	2018R03605
Instrument Date	Sep 7, 2018
Instrument	2018R-03605
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$164.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 S UNION ST, DWIGHT, IL 60420-1544

Mortgage

Document Number	2018R03606
Date	Sep 11, 2018
Instrument	2018R-03606

Lender

Name	STC CAPITAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Livingston County assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Livingston County
County Subdivision	Dwight Township
Municipality	Dwight Village
Elementary School District	Dwight Common School District 232 (PK - 08)
Secondary School District	Dwight Township High School District 230 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,580.00 (+39.98%)	$56,747 (+35.82%) Land $8,848 Building $47,899	$170,241 (+35.82%) Land $26,544 Building $143,697
2022	$3,272.00 Homeowner's exemption	$41,780 Land $7,420 Building $34,360	$125,340 Land $22,260 Building $103,080

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

Source: FEMA National Flood Hazard Layer, effective July 14, 2021 · 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
Flood Insurance Cost	Premium on Record median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	12 (1979–2020)
Claims Outside the SFHA	1 of 12
Most Recent Claim	May 2020 · rainfall accumulation

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 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 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	DWIGHT serves 4,400 people · EPA ID IL1050250
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2026–2028) action level 15 ppb
Copper	1.6 mg/L (2018–2020) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	Arsenic resolved · Jul 2023
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 270 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: GigFire, Watch TV.

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