1012 Garfield St, Lockport, IL 60441 Property Records

Will County property record for 1012 Garfield St, Lockport, IL 60441

Property Summary

Property Type	Single Family Home
Lot Size	0.16 acres (6,929 sqft)
Owner	Trust Name on File
Tax Bill	$5,702 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Feb 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`11-04-23-419-012`

Property Details

APN / Parcel Number

Primary APN	`11-04-23-419-012`
Alternative APN	`04234190120000`

Exterior

Lot Area	6,929 sqft (0.16 acres)

Location & Zoning

Street Address	1012 GARFIELD ST
City	LOCKPORT
State	IL
Zip	60441-3641
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 IIN KELVIN GROVE UNIT 1, A SUB OF PRT OF THE E 1/2 OF THE SE 1/4 OF SEC 23 PRT OF THE SW 1/4 OF SEC 24, T36N-R10E.
Legal Range	10E
Legal Township	36N
Legal Section	24
Legal Subdivision	KELVIN GROVE
Legal Lot Number	16
Legal Unit	1
Jurisdiction	WILL IL
Township / Civil Division	LOCKPORT
Census Block Group	1
Census Block	1014
Census Tract	880601

Owner

1012 Garfield St is owner-occupied and held in a trust since January 2013.

Source: Will County records, as of August 24, 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	Trust Name on File
Mailing Address	1012 GARFIELD ST, LOCKPORT, IL 60441-3641
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2026	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
Feb 21, 2017	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 2, 2013
Transfer Doc	0000000444
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	1012 GARFIELD ST, LOCKPORT, IL 60441-3641
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 GARFI8ID ST, LOCKPORT, IL 60441

Mortgage

Document Number	0000017824
Date	Mar 27, 2026
Instrument	R2026017824

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 25, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.24%
Change Frequency	Monthly

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	1012 GARFIELD ST, LOCKPORT, IL 60441-3641
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015311
Date	Feb 21, 2017
Instrument	R2017015311

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 15, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.24%
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1012 Garfield St was $5,702.

Source: Will County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Will County
County Subdivision	Lockport Township
Municipality	Lockport City
Elementary School District	Lockport School District 91 (KG - 08)
Secondary School District	Lockport Township High School District 205 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,702.00	$84,384 (+7.2%) Land $27,623 Building $56,761	$253,152 (+7.2%) Land $82,869 Building $170,283
2024		$78,717 Land $25,768 Building $52,949	$236,151 Land $77,304 Building $158,847
2022	$4,926.00 Homeowner's exemption Senior Citizen's exemption	$64,514 Land $21,578 Building $42,936	$193,542 Land $64,734 Building $128,808

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

Flood

FEMA maps place 1012 Garfield St in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1981.

Source: FEMA National Flood Hazard Layer, effective June 11, 2026 · 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	1 in force
Nearby Flood Claims	8 (1981–2003)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Jul 2003 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jul 1996 · 3 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 1012 Garfield 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	LOCKPORT serves 23,100 people · EPA ID IL1970500
Water Source	Groundwater
Last State Inspection	May 2025
Lead	8 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	40 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 442 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

Nearby Properties on Garfield St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures