704 S 7th St, Oregon, IL 61061 Property Records

Ogle County property record for 704 S 7th St, Oregon, IL 61061

Property Summary

Property Type	Single Family Home
Lot Size	0.585 acres (25,505 sqft)
Owner	Individual Name on File
Last Sale	$138,500 (Jul 2023)
Tax Bill	$3,784 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-04-478-027`

Property Details

APN / Parcel Number

Primary APN	`16-04-478-027`

Exterior

Lot Area	25,505 sqft (0.585 acres)

Location & Zoning

Street Address	704 S 7TH ST
City	OREGON
State	IL
Zip	61061-2104
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 10 & 11 BLK 8 COMMERCIAL ADD CITY OF OREGON
Legal Subdivision	COMMERCIAL ADD
Legal Block	8
Legal Lot Number	10-11
Jurisdiction	OGLE IL
Township / Civil Division	OREGON-NASHUA
Census Block Group	2
Census Block	2032
Census Tract	961400

Owner

704 S 7th St is owned and occupied by an individual who bought it in July 2023.

Source: Ogle County records, as of May 19, 2026

Owner of Record	Individual Name on File
Mailing Address	704 S 7TH ST, OREGON, IL 61061-2104
Occupancy	Owner Occupied
Owner Type	Individual

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 18, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED COMMUNITY BANK
Aug 31, 2021	Warranty Deed, Transfer · Conventional Mortgage HOLCOMB STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2023 · Amount on File
Deed Sale	Jul 18, 2023 · Amount on File
Deed Document Number	20233056
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OGLE IL
Recording Date	Jul 18, 2023
Property Address	704 S 7TH ST, OREGON, IL 61061-2104
Document Number	0000003056
Map Reference	PB B PG 57
Instrument Date	Jul 14, 2023
Instrument	202303056
Transaction Type	Transfer
Record Updated	Aug 16, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$207.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 S 7TH ST, OREGON, IL 61061-2104

Mortgage

Document Number	0000003057
Date	Jul 18, 2023
Instrument	202303057

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OGLE IL
Recording Date	Aug 31, 2021
Property Address	704 S 7TH ST, OREGON, IL 61061-2104
Document Number	0000006368
Instrument Date	Aug 27, 2021
Instrument	202106368
Transaction Type	Transfer
Record Updated	May 20, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$22.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	704 S 7TH ST, OREGON, IL 61061-2104

Mortgage

Document Number	0000006369
Date	Aug 31, 2021
Instrument	202106369

Lender

Name	HOLCOMB STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 704 S 7th St was $3,784.

Source: Ogle County assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Ogle County
County Subdivision	Oregon-Nashua Township
Municipality	Oregon City
Unified School District	Oregon Community Unit School District 220 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,784.00	$45,020 Land $11,009 Building $34,011	$135,060 Land $33,027 Building $102,033
2023		$35,606 (+8.04%) Land $7,212 Building $28,394	$106,818 (+8.04%) Land $21,636 Building $85,182
2022	$2,263.00	$32,956 Land $6,675 Building $26,281	$98,868 Land $20,025 Building $78,843

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 704 S 7th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 30, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	4 (2017–2023)
Most Recent Claim	Apr 2023 · 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

The area around 704 S 7th St has no burnable land within ember reach, so its wildfire risk is not rated.

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	OREGON serves 3,449 people · EPA ID IL1410400
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	5 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 522 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S 7th St

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