641 Willow St, Belvidere, IL 61008 Property Records

Boone County property record for 641 Willow St, Belvidere, IL 61008

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,384 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	Company Name on File
Last Sale	$115,000 (Apr 2022)
Tax Bill	$3,900 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Feb 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-25-454-003`

Property Details

APN / Parcel Number

Primary APN	`05-25-454-003`
Alternative APN	`05-05-25-454-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,384 sqft Living Area
Gross Area	2,216 sqft
1st Floor Area	2,216 sqft
Basement Area	832 sqft
Unfinished Basement	832 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1970
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central

Location & Zoning

Account Number	05-05-25-454-003
Street Address	641 WILLOW ST
City	BELVIDERE
State	IL
Zip	61008-3834
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25-44-3 LT 6 BLK 2 GILMANS 6TH ADD 641 WILLOW ST
Legal Subdivision	GILMANS 6TH ADD
Legal Block	2
Legal Lot Number	6
Jurisdiction	BOONE IL
Township / Civil Division	BELVIDERE
Census Block Group	1
Census Block	1013
Census Tract	10200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	6817 SCHULTZ RD, HARVARD, IL 60033-7839
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK
Feb 14, 2023	Intrafamily Transfer, Transfer
Apr 26, 2022	Warranty Deed, Transfer · Conventional Mortgage MIDWEST COMMUNITY BANK
Aug 24, 2020	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 26, 2022 · Amount on Record
Deed Sale	Apr 26, 2022 · Amount on Record
Record Updated	Sep 20, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE IL
Property Address	641 WILLOW ST, BELVIDERE, IL 61008-3834
Transaction Type	Mortgage
Record Updated	Jun 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017R02949
Date	Jun 12, 2017
Instrument	2017R02949

Lender

Name	PNC BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	May 9, 2057

Interest

Rate Type	Fixed Rate

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BOONE IL
Recording Date	Feb 14, 2023
Property Address	641 WILLOW ST, BELVIDERE, IL 61008-3834
Document Number	2023R00596
Instrument Date	Feb 13, 2023
Instrument	2023R00596
Transaction Type	Transfer
Record Updated	Jun 15, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	6817 SCHULTZ RD, HARVARD, IL 60033-7839

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE IL
Recording Date	Apr 26, 2022
Property Address	641 WILLOW ST, BELVIDERE, IL 61008-3834
Document Number	2022R02420
Instrument Date	Apr 25, 2022
Instrument	2022R02420
Transaction Type	Transfer
Record Updated	Jun 15, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$172.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9S041 BUSHNELL RD, BIG ROCK, IL 60511-9218

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6817 SCHULTZ RD, HARVARD, IL 60033-7839

Mortgage

Document Number	2022R02421
Date	Apr 26, 2022
Instrument	2022R02421

Lender

Name	MIDWEST COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	5.5%

August 2020: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	BOONE IL
Recording Date	Aug 24, 2020
Property Address	641 WILLOW ST, BELVIDERE, IL 61008-3834
Document Number	2020R05080
Instrument Date	Aug 18, 2020
Instrument	2020R05080
Transaction Type	Transfer
Record Updated	Jun 15, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	641 WILLOW ST, BELVIDERE, IL 61008-3834

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 WILLOW ST, BELVIDERE, IL 61008-3834

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Boone County
County Subdivision	Belvidere Township
Municipality	Belvidere City
Unified School District	Belvidere Consolidated Unit School District 100 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,900.00 (+7.76%)	$48,978 (+14.07%) Land $4,096 Building $44,882	$146,934 (+14.07%) Land $12,288 Building $134,646
2024		$42,938 (+27.73%) Land $4,096 Building $38,842	$128,814 (+27.73%) Land $12,288 Building $116,526
2022	$3,619.00	$33,615 Land $6,146 Building $27,469	$100,845 Land $18,438 Building $82,407

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 February 18, 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	BELVIDERE serves 25,339 people · EPA ID IL0070050
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	2 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 630 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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