820 Chapel St, Ottawa, IL 61350 Property Records

LaSalle County property record for 820 Chapel St, Ottawa, IL 61350

Property Summary

Property Type	Commercial
Details	2,564 sqft · built 1915
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$115,000 (May 2022)
Tax Bill	$2,658 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`21-12-135-005`

Property Details

APN / Parcel Number

Primary APN	`21-12-135-005`
Alternative APN	`18-12-180-006`

Interior

Units	3 Units
Building Area	2,564 sqft Total Area

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Lot Area	12,197 sqft (0.28 acres)

Location & Zoning

Street Address	820 CHAPEL ST
City	OTTAWA
State	IL
Zip	61350-3070
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	GREEN'S ADD, W20' LT 2 & E53' LT 3 BLK 1 SEC 12-33-3
Legal Range	03
Legal Township	33
Legal Section	12
Legal Subdivision	GREENS ADD
Legal Block	1
Legal Lot Number	2-3
Jurisdiction	LASALLE IL
Township / Civil Division	OTTAWA
Census Block Group	5
Census Block	5005
Census Tract	962300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Ottawa East Side Historic District listed 2013 · 301 contributing resources · NRIS 13000718

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

820 Chapel St, a commercial property, is owned by two individuals who bought it in May 2022.

Source: LaSalle County records, as of June 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	647 LASALLE DR, SOMONAUK, IL 60552-9668
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2022 · Amount on File
Deed Sale	May 26, 2022 · Amount on File
Deed Document Number	20226918
Prior Transfer Date	May 20, 2022
Prior Transfer Doc	0202206918
Record Updated	Oct 29, 2026

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	LASALLE IL
Recording Date	May 26, 2022
Property Address	820 CHAPEL ST, OTTAWA, IL 61350-3070
Document Number	0202206918
Instrument Date	May 20, 2022
Instrument	2022-06918
Transaction Type	Transfer
Record Updated	Jun 15, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$172.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	501 STATE ST, 501, OTTAWA, IL 61350-3578

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	647 LASALLE DR, SOMONAUK, IL 60552-9668

Mortgage

Document Number	0202206919
Date	May 26, 2022
Instrument	2022-06919

Lender

Name	COMPASS MORTGAGE CORP

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	5.88%

Tax Assessment & Valuation

The 2025 property tax bill for 820 Chapel St was $2,658, down 2.6% from the year before.

Source: LaSalle County assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	LaSalle County
County Subdivision	Ottawa Township
Municipality	Ottawa City
Elementary School District	Ottawa Elementary School District 141 (PK - 08)
Secondary School District	Ottawa Township High School District 140 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,658.00 (-2.6%)	$26,500 Land $11,400 Building $15,100	$79,500 Land $34,200 Building $45,300
2024	$2,729.00
2023		$26,500 (+6%) Land $11,400 Building $15,100	$79,500 (+6%) Land $34,200 Building $45,300
2022		$25,000 Land $10,755 Building $14,245	$75,000 Land $32,265 Building $42,735

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 820 Chapel St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective March 29, 2024 · 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	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	38 (1979–2020)
Claims Outside the SFHA	13 of 38
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 8 claims Severe Storms And Flooding, Sep 2008 · 9 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

Wildfire risk around 820 Chapel St is low, with 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	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	OTTAWA serves 18,097 people · EPA ID IL0990800
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Jul 2023
Treatment and Procedure	None last 10 years
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 195 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fixed Wireless	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20