830 E Howard St, Pontiac, IL 61764 Property Records

Livingston County property record for 830 E Howard St, Pontiac, IL 61764

Property Summary

Property Type	Commercial
Details	2,000 sqft · built 1976
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Tax Bill	$4,754 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Sep 2013 Mortgage + 5 more
Flood Zone	Zone X (moderate risk)
APN	`15-15-23-304-006`

Property Details

APN / Parcel Number

Primary APN	`15-15-23-304-006`
Alternative APN	`15-15-23-304-013`

Interior

Building Area	2,000 sqft Building Perimeter

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	120 ft deep x 81 ft wide

Location & Zoning

Street Address	830 E HOWARD ST
City	PONTIAC
State	IL
Zip	61764-1445
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	15-23-304-013 LOT 81 X 120 LOTS 1 & 2 BLK 9 (EX PT FOR RD) BUCK'S 2ND ADD
Legal Block	9
Legal Lot Number	1,2
Jurisdiction	LIVINGSTON IL
Township / Civil Division	PONTIAC
Census Block Group	4
Census Block	4004
Census Tract	960600

Owner

Source: Livingston County records, as of October 20, 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	Individual Name on File
Mailing Address	901 N CIMMERON DR, PONTIAC, IL 61764-9429
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF PONTIAC
Sep 10, 2013	Deed of Trust, Mortgage · Commercial Mortgage BANK OF PONTIAC
Mar 8, 2013	Deed of Trust, Mortgage · Commercial Mortgage BANK OF PONTIAC
Mar 1, 2016	Deed of Trust, Mortgage · Line of Credit BANK OF PONTIAC
Jul 6, 2022	Warranty Deed, Transfer · Conventional Mortgage BANK OF PONTIAC
Oct 19, 2016	Quit Claim Deed, Transfer Quitclaim
Dec 11, 2012	Warranty Deed, Transfer · Commercial Mortgage BANK OF PONTIAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 6, 2022
Transfer Doc	2022R03039
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON IL
Property Address	830 E HOWARD ST, PONTIAC, IL 61764-1445
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2017R03074
Date	Aug 8, 2017
Instrument	2017R-03074

Lender

Name	BANK OF PONTIAC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Aug 3, 2022

Interest

Rate Type	Fixed Rate

September 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON IL
Property Address	830 E HOWARD ST, PONTIAC, IL 61764-1445
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	915 E LIVINGSTON ST, PONTIAC, IL 61764-1420
Investor	Possibly a Property Investor

Mortgage

Document Number	0000625244
Date	Sep 10, 2013
Instrument	625244

Lender

Name	BANK OF PONTIAC
Address	300 W WASHINGTON ST, PONTIAC, IL 61764

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	36 Months
Due	Sep 15, 2016

Interest

Rate	7.5%

March 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON IL
Property Address	830 E HOWARD ST, PONTIAC, IL 61764-1445
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	915 E LIVINGSTON ST, PONTIAC, IL 61764-1420
Investor	Possibly a Property Investor

Mortgage

Document Number	0000621816
Date	Mar 8, 2013
Instrument	621816

Lender

Name	BANK OF PONTIAC
Address	300 W WASHINGTON ST, PONTIAC, IL 61764

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	6 Months
Due	Sep 15, 2013

Interest

Rate	7.5%

March 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON IL
Property Address	830 E HOWARD ST, PONTIAC, IL 61764-1445
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	FRONTIER TITLE COMPANY, FRONTIER TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2016R00793
Date	Mar 1, 2016
Instrument	2016R-00793

Lender

Name	BANK OF PONTIAC
Address	PONTIAC, IL 61764

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	36 Months
Due	Mar 3, 2019

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Jul 6, 2022
Property Address	830 E HOWARD ST, PONTIAC, IL 61764-1445
Document Number	2022R03039
Map Reference	DOC 498983
Instrument Date	Jul 6, 2022
Instrument	2022R-03039
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	315 S ALLEN ST, PONTIAC, IL 61764-2624

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	501 S VERMILLION ST, PONTIAC, IL 61764-2360

Mortgage

Document Number	2022R03040
Date	Jul 6, 2022
Instrument	2022R-03040

Lender

Name	BANK OF PONTIAC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

October 2016: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Oct 19, 2016
Property Address	830 E HOWARD ST, PONTIAC, IL 61764-1445
Document Number	2016R04212
Instrument Date	Sep 19, 2016
Instrument	2016R-04212
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PONTIAC, IL 61764

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PONTIAC, IL 61764
Investor	Possibly a Property Investor

December 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Dec 11, 2012
Property Address	830 E HOWARD ST, PONTIAC, IL 61764-1445
Document Number	0000620129
Instrument Date	Dec 3, 2012
Instrument	620129
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000620130
Date	Dec 11, 2012
Instrument	620130

Lender

Name	BANK OF PONTIAC
Address	300 W WASHINGTON ST, PONTIAC, IL 61764

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	36 Months
Due	Dec 15, 2015

Tax Assessment & Valuation

Source: Livingston County assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Livingston County
County Subdivision	Pontiac Township
Municipality	Pontiac City
Elementary School District	Pontiac Community Consolidated School District 429 (PK - 08)
Secondary School District	Pontiac Township High School District 90 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,754.00 (+63.03%)	$54,243 (+71.98%) Land $10,125 Building $44,118	$162,729 (+71.98%) Land $30,375 Building $132,354
2024	$2,916.00	$31,541 Land $4,365 Building $27,176	$94,623 Land $13,095 Building $81,528

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 July 14, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 52 policies
Nearby Flood Policies	52 in force
Nearby Flood Claims	140 (1979–2020)
Claims Outside the SFHA	2 of 140
Most Recent Claim	May 2020 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jan 2008 · 76 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

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

Wildfire Risk	Not 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 System	IL AMERICAN-PONTIAC private · serves 11,864 people · EPA ID IL1055030
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	2 ppb (2025) action level 15 ppb
Copper	1.36 mg/L (2015–2017) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 451 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pavlov Media Fiber	8,000 / 8,000
Conxxus Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Nextlink.

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