707 E Payson St, Pontiac, IL 61764 Property Records

Livingston County property record for 707 E Payson St, Pontiac, IL 61764

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,500 sqft · built 1980
Lot Size	0.275 acres (12,000 sqft)
Owner	Individual Name on Record
Last Sale	$9,000 (Jun 2022)
Tax Bill	$2,055 (2025)
Deeds & Mortgages	Jul 2025 Mortgage Jun 2025 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`15-15-23-406-019`

Property Details

APN / Parcel Number

Primary APN	`15-15-23-406-019`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,500 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Roof Material	Asphalt
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	512 sqft

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Street Address	707 E PAYSON ST
City	PONTIAC
State	IL
Zip	61764-2218
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15-23-406-019 LOT 100 X 120 LOTS 13 & 14 BLK 6 DRIVING PARK ADD
Legal Subdivision	DRIVING PARK ADD
Legal Block	6
Legal Lot Number	13,14
Jurisdiction	LIVINGSTON IL
Township / Civil Division	PONTIAC
Census Block Group	4
Census Block	4016
Census Tract	960600

Owner

Source: Livingston County records, 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	Individual Name on Record
Mailing Address	707 E PAYSON ST, PONTIAC, IL 61764-2218
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2025	Deed of Trust, Mortgage · Conventional Mortgage BANK OF PONTIAC
Jun 10, 2025	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jun 3, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2022 · Amount on Record
Deed Sale	Jun 3, 2022 · Amount on Record
Deed Document Number	20222551
Last Transfer Date	Jun 6, 2025
Transfer Doc	2025R02450
Record Updated	Sep 20, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON IL
Property Address	707 E PAYSON ST, PONTIAC, IL 61764-2218
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	FTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025R03174
Date	Jul 28, 2025
Instrument	2025R-03174

Lender

Name	BANK OF PONTIAC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2045

June 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Jun 10, 2025
Property Address	707 E PAYSON ST, PONTIAC, IL 61764-2218
Document Number	2025R02450
Instrument Date	Jun 6, 2025
Instrument	2025R-02450
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$90.00
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4212 FAIRWAY CROSSING DR, FORT WORTH, TX 76137-2000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 E PAYSON ST, PONTIAC, IL 61764-2218

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Jun 3, 2022
Property Address	707 E PAYSON ST, PONTIAC, IL 61764-2218
Document Number	2022R02551
Instrument Date	May 20, 2022
Instrument	2022R-02551
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount Recorded
Tax	$13.50
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 N DEERFIELD RD RM 105, 105, PONTIAC, IL 61764-9406

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	707 E PAYSON ST, PONTIAC, IL 61764-2218
Investor	Possibly a Property Investor

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	$2,055.00 (-5.21%) Homeowner's exemption Senior Citizen's exemption	$39,171 (+13.7%) Land $4,383 Building $34,788	$117,513 (+13.7%) Land $13,149 Building $104,364
2024	$2,168.00 (-23.55%)	$34,451 (+10.05%) Land $3,855 Building $30,596	$103,353 (+10.05%) Land $11,565 Building $91,788
2022	$2,836.00 Senior Citizen's exemption	$31,304 Land $3,606 Building $27,698	$93,912 Land $10,818 Building $83,094

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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