908 E Madison St, Pontiac, IL 61764 Property Records

Livingston County property record for 908 E Madison St, Pontiac, IL 61764

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,170 sqft · built 1915
Lot Size	0.139 acres (6,038 sqft)
Owner	2 Individual Names on File
Last Sale	$33,000 (Mar 2021)
Tax Bill	$1,176 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`15-15-23-327-002`

Property Details

APN / Parcel Number

Primary APN	`15-15-23-327-002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,170 sqft Living Area
Basement Area	867 sqft
Unfinished Basement	867 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Wood
Roof Material	Asphalt
Lot Area	6,038 sqft (0.139 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	384 sqft

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Street Address	908 E MADISON ST
City	PONTIAC
State	IL
Zip	61764-2109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15-23-327-002 LOT 50 X 120.75 LOT 5 BLK 2 OWEN'S ADD
Legal Subdivision	OWEN'S ADD
Legal Block	2
Legal Lot Number	5
Jurisdiction	LIVINGSTON IL
Township / Civil Division	PONTIAC
Census Block Group	4
Census Block	4001
Census Tract	960600

Owner

908 E Madison St is owned and occupied by two individuals who bought it in March 2021.

Source: Livingston County records, as of June 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	908 E MADISON ST, PONTIAC, IL 61764-2109
Occupancy	Owner Occupied
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

Date	Document
Feb 14, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK
Mar 5, 2021	Warranty Deed, Transfer · Commercial Mortgage FIRST STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2021 · Amount on File
Deed Sale	Mar 5, 2021 · Amount on File
Deed Document Number	20211168
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON IL
Property Address	908 E MADISON ST, PONTIAC, IL 61764-2109
Transaction Type	Mortgage
Record Updated	Mar 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023R00489
Date	Feb 14, 2023
Instrument	2023R-00489

Lender

Name	FIRST STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Feb 7, 2028

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON IL
Recording Date	Mar 5, 2021
Property Address	908 E MADISON ST, PONTIAC, IL 61764-2109
Document Number	2021R01168
Instrument Date	Feb 26, 2021
Instrument	2021R-01168
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	ALLIANCE LAND TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 S BAYBERRY CT, BLOOMINGTON, IL 61704-4681

Mortgage

Document Number	2021R01169
Date	Mar 5, 2021
Instrument	2021R-01169

Lender

Name	FIRST STATE BANK

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 908 E Madison St was $1,176 with exemptions applied.

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	$1,176.00	$21,423 Land $2,926 Building $18,497	$64,269 Land $8,778 Building $55,491

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

Flood

FEMA maps place 908 E Madison St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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

The area around 908 E Madison 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 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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