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804 Clay St, Oregon, IL 61061 Property Records

Ogle County property record for 804 Clay St, Oregon, IL 61061

Property Summary

Property TypeSingle Family Home
Details1,251 sqft · built 1941
Lot Size0.195 acres (8,531 sqft)
OwnerIndividual Name on File
Tax Bill$1,711 (2022)
Deeds & MortgagesFeb 2023 Transfer
May 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN16-04-431-006

Property Details

APN / Parcel Number

Primary APN16-04-431-006

Interior

Stories1 Story
Building Area1,251 sqft Living Area
Basement Area726 sqft
Unfinished Basement726 sqft

Exterior

Year BuiltBuilt 1941
Effective Year BuiltEffective 1941
Lot Area8,531 sqft (0.195 acres)
Lot Dimensions132 ft deep x 66 ft wide
Garage TypeAttached
Garage Area320 sqft
Shed1 Shed
Shed Area64 sqft

Location & Zoning

Street Address804 CLAY ST
CityOREGON
StateIL
Zip61061-1930
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRNG/BLK: TWP:0 SECT/LOT: E 66FT LOTS 7 & 8 BLK 6 COMMERCIAL ADD CITY OF OREGON
Legal SubdivisionCOMMERCIAL ADD
Legal Block6
Legal Lot Number7-8
JurisdictionOGLE IL
Township / Civil DivisionOREGON-NASHUA
Census Block Group2
Census Block2029
Census Tract961400

Owner

804 Clay St is owned and occupied by an individual who acquired it in February 2023.

Source: Ogle County records, as of October 20, 2026

Owner of RecordIndividual Name on File
Mailing Address804 CLAY ST, OREGON, IL 61061-1930
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Feb 14, 2023Transfer on Death Deed, Transfer
ATTORNEY ONLY, ATTORNEY
May 4, 2020Deed of Trust, Mortgage · Conventional Mortgage
MIDWEST COMMUNITY BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 14, 2023
Deed SaleFeb 14, 2023
Deed Document Number2023618
Prior Transfer DateFeb 9, 2023
Prior Transfer Doc0000000618
Record UpdatedOct 29, 2026

February 2023: Transfer on Death Deed, Transfer

Document TypeTransfer on Death Deed
JurisdictionOGLE IL
Recording DateFeb 14, 2023
Property Address804 CLAY ST, OREGON, IL 61061-1930
Document Number0000000618
Instrument DateFeb 9, 2023
Instrument202300618
Transaction TypeTransfer
Record UpdatedMar 1, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address804 CLAY ST, OREGON, IL 61061-1930

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address804 CLAY ST, OREGON, IL 61061-1930

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOGLE IL
Property Address804 CLAY ST, OREGON, IL 61061-1930
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000002534
DateMay 4, 2020
Instrument202002534
Lender
NameMIDWEST COMMUNITY BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueMay 1, 2035
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyOgle County
County SubdivisionOregon-Nashua Township
MunicipalityOregon City
Unified School DistrictOregon Community Unit School District 220 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$39,946 Land $7,491 Building $32,455$119,838 Land $22,473 Building $97,365
2023$32,514 Land $5,419 Building $27,095$97,542 Land $16,257 Building $81,285
2022$1,711.00

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

Flood

FEMA maps place 804 Clay 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 13 policies
Nearby Flood Policies13 in force
Nearby Flood Claims4 (2017–2023)
Most Recent ClaimApr 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 804 Clay 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 RiskNot 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 SystemOREGON
serves 3,449 people · EPA ID IL1410400
Water SourceGroundwater
Last State InspectionNov 2024
LeadUnder 1 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting5
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

ProviderMax 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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