725 W Locust St, Belvidere, IL 61008 Property Records

Boone County property record for 725 W Locust St, Belvidere, IL 61008

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 640 sqft · built 1945
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$118,000 (Oct 2023)
Tax Bill	$3,232 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-35-202-043`

Property Details

APN / Parcel Number

Primary APN	`05-35-202-043`
Alternative APN	`05-05-35-202-043`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	640 sqft Living Area
1st Floor Area	640 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central

Location & Zoning

Account Number	05-05-35-202-043
Street Address	725 W LOCUST ST
City	BELVIDERE
State	IL
Zip	61008-4205
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	35-44-3 SCHABACKER SUB LOTS 2 & 3 (EX BEG SW COR LOT 2 NELY 68' NELY 122.69 SWLY 66.32' SWLY 124' TO POB)
Legal Subdivision	SCHABACKER SUB
Legal Lot Number	2-3
Jurisdiction	BOONE IL
Township / Civil Division	BELVIDERE
Census Block Group	2
Census Block	2015
Census Tract	10200

Owner

Source: Boone 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	725 W LOCUST ST, BELVIDERE, IL 61008-4205
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2023 · Amount on Record
Deed Sale	Oct 2, 2023 · Amount on Record
Record Updated	Sep 20, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE IL
Recording Date	Oct 2, 2023
Property Address	725 W LOCUST ST, BELVIDERE, IL 61008-4205
Document Number	2023R04046
Instrument Date	Aug 23, 2023
Instrument	2023R04046
Transaction Type	Transfer
Record Updated	Oct 25, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$177.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9077 MCKINLEY AVE, BELVIDERE, IL 61008-1319

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	725 W LOCUST ST, BELVIDERE, IL 61008-4205

Mortgage

Document Number	2023R04047
Date	Oct 2, 2023
Instrument	2023R04047

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.63%

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	$3,232.00 (+58.43%)	$40,589 (+12.95%) Land $4,222 Building $36,367	$121,767 (+12.95%) Land $12,666 Building $109,101
2024		$35,936 (+75.75%) Land $4,222 Building $31,714	$107,808 (+75.75%) Land $12,666 Building $95,142
2022	$2,040.00	$20,447 Land $6,474 Building $13,973	$61,341 Land $19,422 Building $41,919

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 · 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 98% of the US · lower than 86% 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	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 345 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
AT&T Fixed Wireless	100 / 20