810 Franklin St, Oregon, IL 61061 Property Records

Ogle County property record for 810 Franklin St, Oregon, IL 61061

Property Summary

Property Type	Single Family Home
Details	1,546 sqft · built 1887
Lot Size	0.238 acres (10,374 sqft)
Owner	2 Individual Names on File
Last Sale	$100,000 (Jul 2026)
Tax Bill	$4,067 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`16-04-281-002`

Property Details

APN / Parcel Number

Primary APN	`16-04-281-002`

Interior

Stories	2 Stories
Building Area	1,546 sqft Living Area
Basement Area	613 sqft
Unfinished Basement	613 sqft

Exterior

Year Built	Built 1887
Effective Year Built	Effective 1887
Lot Area	10,374 sqft (0.238 acres)
Lot Dimensions	173 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	624 sqft
Shed	1 Shed
Shed Area	110 sqft

Location & Zoning

Street Address	810 FRANKLIN ST
City	OREGON
State	IL
Zip	61061-1106
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RNG/BLK: TWP:0 SECT/LOT: LOTS 11 & 12 BLK 6 POTTERS ADD CITY OF OREGON
Legal Subdivision	POTTERS ADD
Legal Block	6
Legal Lot Number	11-12
Jurisdiction	OGLE IL
Township / Civil Division	OREGON-NASHUA
Census Block Group	2
Census Block	2003
Census Tract	961400

Owner

Source: Ogle County records, as of August 27, 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 Individual Names on File
Mailing Address	5054 W POND RD, LEAF RIVER, IL 61047-9702
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Warranty Deed, Transfer · Conventional Mortgage CITIZENS STATE BANK
Jun 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS STATE BANK
May 26, 2020	Special Warranty Deed, Transfer · Conventional Mortgage CITIZENS STATE BANK
May 30, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY
Jun 30, 2017	Loan Modification, Mortgage · Conventional with PMI MIDLAND STATES BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2026 · Amount on File
Deed Sale	Jul 30, 2026 · Amount on File
Prior Sale	May 26, 2020 · Amount on File
Deed Document Number	2026202603831
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OGLE IL
Recording Date	Jul 30, 2026
Property Address	810 FRANKLIN ST, OREGON, IL 61061-1106
Document Number	0000003831
Instrument Date	Jul 29, 2026
Instrument	20263831
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	SECURITY TITLE COMPANY, SECURITY FIRST TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,150.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5054 W POND RD, LEAF RIVER, IL 61047-9702

Mortgage

Date	Jul 30, 2026

Lender

Name	CITIZENS STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OGLE IL
Property Address	810 FRANKLIN ST, OREGON, IL 61061-1106
Transaction Type	Mortgage
Record Updated	Jun 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003386
Date	Jun 9, 2022
Instrument	202203386

Lender

Name	CITIZENS STATE BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate

May 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OGLE IL
Recording Date	May 26, 2020
Property Address	810 FRANKLIN ST, OREGON, IL 61061-1106
Document Number	0000003217
Instrument Date	May 19, 2020
Instrument	202003217
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$96.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1201 NETWORK CENTRE DR, 1201, EFFINGHAM, IL 62401-4677

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 FRANKLIN ST, OREGON, IL 61061-1106

Mortgage

Document Number	0000003218
Date	May 26, 2020
Instrument	202003218

Lender

Name	CITIZENS STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

May 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OGLE IL
Recording Date	May 30, 2019
Property Address	810 FRANKLIN ST, OREGON, IL 61061-1106
Document Number	0000002827
Instrument Date	Mar 21, 2019
Instrument	2827
Transaction Type	Foreclosure
Record Updated	Jun 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$132.57
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	120 NETWORK CENTRE DR EFFINGHAM IL 62401, EFFINGHAM, IL 62401

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OGLE IL
Property Address	810 FRANKLIN ST, OREGON, IL 61061-1106
Document Number	0000003908
Instrument Date	Jun 30, 2017
Transaction Type	Mortgage
Record Updated	Jul 27, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 FRANKLIN ST OREGON IL 610611106, OREGON, IL 61061-1106

Mortgage

Document Number	0000003908
Date	Jul 7, 2017
Instrument	3908

Lender

Name	MIDLAND STATES BK
Type	Bank
Address	WELDON SPRING, MO 63304

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	84 Months
Due	Jul 6, 2024

Tax Assessment & Valuation

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	$4,067.00 (+29.94%)	$47,937 (+22.01%) Land $8,926 Building $39,011	$143,811 (+22.01%) Land $26,778 Building $117,033
2023		$39,288 Land $6,720 Building $32,568	$117,864 Land $20,160 Building $97,704
2022	$3,130.00

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

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

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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