803 Monroe St, Oregon, IL 61061 Property Records

Ogle County property record for 803 Monroe St, Oregon, IL 61061

Property Summary

Property Type	Single Family Home
Details	2,994 sqft
Lot Size	0.277 acres (12,102 sqft)
Owner	2 Trust Names on File
Last Sale	$210,500 (Sep 2026)
Tax Bill	$5,806 (2025)
Deeds & Mortgages	Sep 2026 Sale Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-04-280-018`

Property Details

APN / Parcel Number

Primary APN	`16-04-280-018`

Interior

Stories	2 Stories
Building Area	2,994 sqft Living Area
Basement Area	1,497 sqft
Unfinished Basement	682 sqft

Exterior

Lot Area	12,102 sqft (0.277 acres)
Lot Dimensions	100 ft deep x 120 ft wide
Garage Area	720 sqft

Location & Zoning

Street Address	803 MONROE ST
City	OREGON
State	IL
Zip	61061-1117
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RNG/BLK: TWP:0 SECT/LOT: LOTS 1 & 3 BLK 8 POTTERS ADD CITY OF OREGON
Legal Subdivision	POTTERS ADD
Legal Block	8
Legal Lot Number	1,3
Jurisdiction	OGLE IL
Township / Civil Division	OREGON-NASHUA
Census Block Group	2
Census Block	2001
Census Tract	961400

Owner

803 Monroe St is held in a trust since September 2026.

Source: Ogle County records, as of October 22, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Trust Names on File
Mailing Address	2340 SILVERTHORN DR, ROCKFORD, IL 61107-1629
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2026	Warranty Deed, Transfer
Jun 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage BLACKHAWK AREA CU
Aug 1, 2025	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY STATE BANK
Aug 24, 2020	Warranty Deed, Transfer BLACKHAWK AREA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2026 · Amount on File
Deed Sale	Sep 25, 2026 · Amount on File
Prior Sale	Aug 24, 2020 · Amount on File
Deed Document Number	2026202604955
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OGLE IL
Recording Date	Sep 25, 2026
Property Address	803 MONROE ST, OREGON, IL 61061-1117
Document Number	0000004955
Instrument Date	Sep 9, 2026
Instrument	20264955
Transaction Type	Transfer
Record Updated	Oct 22, 2026

Transaction

Amount	Amount on Record
Tax	$31,890.75
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2340 SILVERTHORN DR, ROCKFORD, IL 61107-1629

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OGLE IL
Property Address	803 MONROE ST, OREGON, IL 61061-1117
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003693
Date	Jun 24, 2022
Instrument	202203693

Lender

Name	BLACKHAWK AREA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OGLE IL
Recording Date	Aug 1, 2025
Property Address	803 MONROE ST, OREGON, IL 61061-1117
Document Number	0000003785
Map Reference	BK A PG 293 294
Instrument Date	Jul 29, 2025
Instrument	202503785
Transaction Type	Transfer
Record Updated	Jun 9, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$283.50
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	803 MONROE ST, OREGON, IL 61061-1117

Mortgage

Document Number	0000003786
Date	Aug 1, 2025
Instrument	202503786

Lender

Name	COMMUNITY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.95%
Adjustable	Adjustable Rate Rider
Change Frequency	3 Years
Min Rate At Change	5.95%
Max Rate At Change	8.95%
Index	Other
Margin	1
Max Rate	11.9%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OGLE IL
Recording Date	Aug 24, 2020
Property Address	803 MONROE ST, OREGON, IL 61061-1117
Document Number	0000006123
Instrument Date	Aug 21, 2020
Instrument	6123
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$191.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	803 MONROE ST OREGON IL 610611117, OREGON, IL 61061-1117

Mortgage

Document Number	6124
Date	Aug 24, 2020
Instrument	6124

Lender

Name	BLACKHAWK AREA CU
Address	SAVANNA, IL 61074

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 23, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 803 Monroe St was $5,806.

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	$5,806.00	$65,871 Land $10,319 Building $55,552	$197,613 Land $30,957 Building $166,656
2023		$53,861 Land $7,483 Building $46,378	$161,583 Land $22,449 Building $139,134
2022	$4,521.00

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 803 Monroe St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2017.

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
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

Wildfire risk around 803 Monroe St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% 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	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 315 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

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