645 Chapel St, Ottawa, IL 61350 Property Records

LaSalle County property record for 645 Chapel St, Ottawa, IL 61350 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,920 sqft · built 1890
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$135,500 (Jan 2021)
Tax Bill	$6,599 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-12-138-007`

Property Details

APN / Parcel Number

Primary APN	`21-12-138-007`
Alternative APN	`18-12-157-006`

Interior

Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	1,920 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Lot Area	8,276 sqft (0.19 acres)

Location & Zoning

Street Address	645 CHAPEL ST
City	OTTAWA
State	IL
Zip	61350-3005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREEN'S ADD, ALL LT 1 & E10' LT 2 BLK 7 SEC 12-33-3
Legal Range	03
Legal Township	33
Legal Section	12
Legal Subdivision	GREENS ADD
Legal Block	7
Legal Lot Number	1-2
Jurisdiction	LASALLE IL
Township / Civil Division	OTTAWA
Census Block Group	5
Census Block	5009
Census Tract	962300

Owner

Source: LaSalle County records · APN 21-12-138-007

Assessment roll updated June 29, 2026 · Last verified July 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 File
Mailing Address	645 CHAPEL ST, OTTAWA, IL 61350-3005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2021	Special Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES
Feb 09, 2017	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 14, 2021 · Amount on Record
Deed Sale	Jan 14, 2021 · Amount on Record
Prior Sale	Feb 09, 2017 · Amount on Record
Deed Document Number	2021764
Record Updated	Sep 20, 2026

January 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LASALLE IL
Recording Date	Jan 14, 2021
Property Address	645 CHAPEL ST, OTTAWA, IL 61350-3005
Document Number	202100764
Instrument Date	Nov 25, 2020
Instrument	2021-00764
Transaction Type	Transfer
Record Updated	Jun 07, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$203.25
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	810 VERMONT AVE NW, 810, WASHINGTON, DC 20420-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 CHAPEL ST, OTTAWA, IL 61350-3005

Mortgage

Document Number	202100765
Date	Jan 14, 2021
Instrument	2021-00765

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	3%

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LASALLE IL
Recording Date	Feb 09, 2017
Property Address	645 CHAPEL ST, OTTAWA, IL 61350-3005
Document Number	201702099
Instrument Date	Feb 09, 2017
Instrument	201702099
Transaction Type	Transfer
Record Updated	Jun 07, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$237.00
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	645 CHAPEL ST, OTTAWA, IL 61350-3005

Mortgage

Document Number	201702100
Date	Feb 09, 2017
Instrument	201702100

Lender

Name	MORTGAGE RESEARCH CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

Source: LaSalle County records · Assessment roll updated June 29, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Illinois
County	LaSalle County
County Subdivision	Ottawa Township
Municipality	Ottawa City
Elementary School District	Ottawa Elementary School District 141 (PK - 08)
Secondary School District	Ottawa Township High School District 140 (09 - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,599.00 (+8.52%)	$71,792 (+23.31%) Land $9,666 Building $62,126	$215,376 (+23.31%) Land $28,998 Building $186,378
2024	$6,081.00
2023		$58,223 (+10.18%) Land $7,839 Building $50,384	$174,669 (+10.18%) Land $23,517 Building $151,152
2022		$52,844 Land $10,746 Building $42,098	$158,532 Land $32,238 Building $126,294

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, LaSalle County (17099C), updated March 29, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170999623005, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 15 individual NFIP policies nearby
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	38 (1979–2020)
Claims Outside the SFHA	13 of 38
Most Recent Claim	May 2020, rainfall accumulation
Claims By Storm	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 8 claims Severe Storms And Flooding, Sep 2008 · 9 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the Ottawa East Side Historic District listed 2013 · 301 contributing resources · NRIS 13000718

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 195 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Mediacom Communications	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
Mediacom Communications	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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