104 N Gadwall Ln, Downs, IL 61736 Property Records

McLean County property record for 104 N Gadwall Ln, Downs, IL 61736

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,313 sqft · built 1999
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Jan 2019)
Tax Bill	$6,563 (2024)
Deeds & Mortgages	Mar 2022 Second Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-04-103-009`

Property Details

APN / Parcel Number

Primary APN	`29-04-103-009`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,313 sqft Living Area
1st Floor Area	1,313 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	16,988 sqft (0.39 acres)
Garage Type	Attached
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	104 N GADWALL LN
City	DOWNS
State	IL
Zip	61736-9343
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 45 MALLARD POINT SUB
Legal Range	03E
Legal Township	22N
Legal Section	04
Legal Subdivision	MALLARD POINT SUB
Legal Lot Number	45
Jurisdiction	MCLEAN IL
Township / Civil Division	DOWNS
Census Block Group	3
Census Block	3044
Census Tract	5401

Owner

Source: McLean County records, as of October 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	104 N GADWALL LN, DOWNS, IL 61736-9343
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
Jan 23, 2019	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE SERVICES III LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2019 · Amount on Record
Deed Sale	Jan 23, 2019 · Amount on Record
Prior Sale	Oct 2, 2009 · Amount on Record
Deed Document Number	2019955
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	104 N GADWALL LN, DOWNS, IL 61736-9343
Transaction Type	Mortgage
Record Updated	Mar 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 N GADWALL LN, DOWNS, IL 61736-9343

Mortgage

Document Number	202200004856
Date	Mar 15, 2022
Instrument	2022-00004856

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	Jan 23, 2019
Property Address	104 N GADWALL LN, DOWNS, IL 61736-9343
Document Number	201900000955
Map Reference	DOC 96-18714
Instrument Date	Jan 8, 2018
Instrument	2019-00000955
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	FRONTIER TITLE COMPANY, FRONTIER TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$277.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	104 N GADWALL LN, DOWNS, IL 61736-9343

Mortgage

Document Number	201900000956
Date	Jan 23, 2019
Instrument	2019-00000956

Lender

Name	MORTGAGE SERVICES III LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.99%

Tax Assessment & Valuation

Source: McLean County assessment roll, as of April 8, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	McLean County
County Subdivision	Downs Township
Municipality	Downs Village
Unified School District	Tri-Valley Community Unit School District 3 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$85,747 (+20.26%) Land $16,993 Building $68,754	$257,241 (+20.26%) Land $50,979 Building $206,262
2024	$6,563.00 (+13.96%)
2023	$5,759.00	$71,300 Land $14,130 Building $57,170	$213,900 Land $42,390 Building $171,510

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 June 27, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2026)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2026 · 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

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	DOWNS serves 1,201 people · EPA ID IL1130500
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2026) action level 15 ppb
Copper	1.4 mg/L (2025) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control currently in violation since Jan 2026
Monitoring and Reporting	2 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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Pavlov Media Fiber	1,000 / 1,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
Watch TV Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink.

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