8974 N Pecatonica Rd, Pecatonica, IL 61063 Property Records

Winnebago County property record for 8974 N Pecatonica Rd, Pecatonica, IL 61063

Property Summary

Property Type	Rural Home
Lot Size	5.01 acres (218,671 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Sep 2026)
Tax Bill	$3,510 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jun 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`05-32-400-008`

Property Details

APN / Parcel Number

Primary APN	`05-32-400-008`
Alternative APNs	`532400008` `356 751B`

Exterior

Lot Area	218,671 sqft

Location & Zoning

Account Number	356 751B
Street Address	8974 N PECATONICA RD
City	PECATONICA
State	IL
Zip	61063-8859
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	AG
Legal Description	BEG PT 69.83 FT W NE COR SE1/4 SEC THW 526.65 FT S 412.5 FT E 533.44 FT NLYTO POB SEC SEC: 32 TWP: 28 RANGE: 10ACRES: 5.02
Legal Range	10E
Legal Township	28N
Legal Section	32
Jurisdiction	WINNEBAGO IL
Township / Civil Division	DURAND
Census Block Group	3
Census Block	3099
Census Tract	4100

Owner

8974 N Pecatonica Rd, a rural home, is owned and occupied by two individuals who bought it in September 2026.

Source: Winnebago County records, as of September 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8974 N PECATONICA RD, PECATONICA, IL 61063-8859
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Date	Document
Sep 3, 2026	Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE
Jun 2, 2023	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK ROCKFORD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2026 · Amount on File
Deed Sale	Sep 3, 2026 · Amount on File
Prior Sale	Aug 20, 1997 · Amount on File
Deed Document Number	202623401
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Sep 3, 2026
Property Address	8974 N PECATONICA RD, PECATONICA, IL 61063-8859
Document Number	0000023401
Instrument Date	Aug 24, 2026
Instrument	202623401
Transaction Type	Transfer
Record Updated	Sep 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$64,387.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	8974 N PECATONICA RD, PECATONICA, IL 61063-8859

Mortgage

Document Number	0000023402,
Date	Sep 3, 2026
Instrument	202623402

Lender

Name	ENVOY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	7%
Initial Type	Fixed Rate
Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	8974 N PECATONICA RD, PECATONICA, IL 61063-8828
Transaction Type	Mortgage
Record Updated	Jun 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011960
Date	Jun 2, 2023
Instrument	2311960

Lender

Name	NORTHWEST BANK ROCKFORD
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 1, 2033

Interest

Rate Type	Fixed Rate
Rate	6%

Tax Assessment & Valuation

The 2025 property tax bill for 8974 N Pecatonica Rd was $3,510 with exemptions applied, down 7.3% from the year before.

Source: Winnebago County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Winnebago County
County Subdivision	Durand Township
Unified School District	Durand Community Unit School District 322 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,510.00 (-7.34%) Homeowner's exemption Senior Citizen's exemption	$107,433 (+10.73%) Land $17,150 Building $90,283	$322,299 (+10.73%) Land $51,450 Building $270,849
2024	$3,788.00	$97,022 Land $15,488 Building $81,534	$291,066 Land $46,464 Building $244,602
2022	Homeowner's exemption	$73,442 Land $11,843 Building $61,599	$220,326 Land $35,529 Building $184,797

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 8974 N Pecatonica Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1996.

Source: FEMA National Flood Hazard Layer, effective July 12, 2023 · 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
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1996–2017)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jul 2017 · river or lake flooding

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 8974 N Pecatonica Rd 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 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AaroBand Fixed Wireless	100 / 50
Rise Broadband Fixed Wireless	50 / 10

May also be available: JCWIFI.com, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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