608 E Payson St, Pontiac, IL 61764 Property Records

Livingston County property record for 608 E Payson St, Pontiac, IL 61764

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,110 sqft · built 1967
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on Record
Last Sale	$78,000 (Mar 2021)
Tax Bill	$2,107 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`15-15-23-451-004`

Property Details

APN / Parcel Number

Primary APN	`15-15-23-451-004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,110 sqft Living Area

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Exterior Material	Wood
Roof Material	Asphalt
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	322 sqft

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Street Address	608 E PAYSON ST
City	PONTIAC
State	IL
Zip	61764-2217
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15-23-451-004 LOT 50 X 120 LOT 5 BLK 8 DRIVING PARK ADD
Legal Subdivision	DRIVING PARK ADD
Legal Block	8
Legal Lot Number	5
Jurisdiction	LIVINGSTON IL
Township / Civil Division	PONTIAC
Census Block Group	4
Census Block	4025
Census Tract	960600

Owner

Source: Livingston County records, as of September 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 Record
Mailing Address	608 E PAYSON ST, PONTIAC, IL 61764-2217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2022	Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH MORTGAGE INC
Mar 12, 2021	Executor's Deed, Transfer · Conventional Mortgage FIRST FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 12, 2021 · Amount on Record
Deed Sale	Mar 12, 2021 · Amount on Record
Deed Document Number	20211310
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Sep 30, 2022
Property Address	608 E PAYSON ST, PONTIAC, IL 61764-2217
Document Number	2022R04354
Instrument Date	Sep 29, 2022
Instrument	2022R-04354
Transaction Type	Transfer
Record Updated	Oct 19, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2985 HUMBOLDT RD, 2985, GREEN BAY, WI 54311-5777

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	608 E PAYSON ST, PONTIAC, IL 61764-2217

Mortgage

Document Number	2022R04355
Date	Sep 30, 2022
Instrument	2022R-04355

Lender

Name	FLAT BRANCH MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate
Rate	6.12%

March 2021: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Mar 12, 2021
Property Address	608 E PAYSON ST, PONTIAC, IL 61764-2217
Document Number	2021R01310
Instrument Date	Feb 25, 2021
Instrument	2021R-01310
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$117.00
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	608 E PAYSON ST, PONTIAC, IL 61764-2217

Mortgage

Document Number	2021R01311
Date	Mar 12, 2021
Instrument	2021R-01311

Lender

Name	FIRST FSB

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Livingston County
County Subdivision	Pontiac Township
Municipality	Pontiac City
Elementary School District	Pontiac Community Consolidated School District 429 (PK - 08)
Secondary School District	Pontiac Township High School District 90 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,107.00	$30,049 Land $2,196 Building $27,853	$90,147 Land $6,588 Building $83,559

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 52 policies
Nearby Flood Policies	52 in force
Nearby Flood Claims	140 (1979–2020)
Claims Outside the SFHA	2 of 140
Most Recent Claim	May 2020 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jan 2008 · 76 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 99.8% of the US · lower than 99.8% 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	IL AMERICAN-PONTIAC private · serves 11,864 people · EPA ID IL1055030
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	2 ppb (2025) action level 15 ppb
Copper	1.36 mg/L (2015–2017) action level 1.3 mg/L

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pavlov Media Fiber	8,000 / 8,000
Conxxus Fiber	8,000 / 8,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink, Watch TV.

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