1040 Freeman St, Plano, IL 60545 Property Records

Kendall County property record for 1040 Freeman St, Plano, IL 60545

Property Summary

Property Type	Single Family Home
Details	2,720 sqft · built 2022
Lot Size	0.246 acres (10,718 sqft)
Owner	2 Individual Names on Record
Last Sale	$362,000 (Mar 2022)
Tax Bill	$9,707 (2024)
Deeds & Mortgages	May 2026 Mortgage Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01-21-203-004`

Property Details

APN / Parcel Number

Primary APN	`01-21-203-004`

Interior

Stories	2 Stories
Building Area	2,720 sqft Living Area
Gross Area	4,550 sqft
1st Floor Area	2,720 sqft
Basement Area	1,120 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Bi-Level
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,718 sqft (0.246 acres)
Garage Type	Attached
Garage Area	710 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1040 FREEMAN ST
City	PLANO
State	IL
Zip	60545-3016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1380 LAKEWOOD SPRINGS UNIT 6 CITY OF PLANO
Legal Subdivision	LAKEWOOD SPRINGS
Legal Lot Number	1380
Jurisdiction	KENDALL IL
Township / Civil Division	LITTLE ROCK
Census Block Group	3
Census Block	3062
Census Tract	890502

Owner

Source: Kendall County records, as of May 27, 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	1040 FREEMAN ST, PLANO, IL 60545-3016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
Mar 4, 2022	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage M/I FINANCIAL LLC
Dec 4, 2019	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2022 · Amount on Record
Deed Sale	Mar 4, 2022 · Amount on Record
Prior Sale	Dec 4, 2019 · Amount on Record
Deed Document Number	20224278
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Recording Date	May 12, 2026
Property Address	1040 FREEMAN ST, PLANO, IL 60545-3016
Document Number	0000006697
Instrument Date	Apr 15, 2026
Instrument	20266697
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 FREEMAN ST, PLANO, IL 60545-3016

Mortgage

Document Number	0000006697,
Date	May 12, 2026
Instrument	20266697

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.22%
Max Rate	-1%

March 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Mar 4, 2022
Property Address	1040 FREEMAN ST, PLANO, IL 60545-3016
Document Number	0000004278
Map Reference	DOC 200600019121
Instrument Date	Jan 24, 2022
Instrument	202200004278
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 27, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$362.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1040 FREEMAN ST, PLANO, IL 60545-3016

Mortgage

Document Number	0000004279
Date	Mar 4, 2022
Instrument	202200004279

Lender

Name	M/I FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2052

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Dec 4, 2019
Property Address	1040 FREEMAN ST, PLANO, IL 60545-3016
Document Number	0000018525
Instrument Date	Nov 12, 2019
Instrument	18525
Transaction Type	Transfer
Record Updated	Dec 12, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Tax	$4,085.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	400 E DIEHL RD #230 NAPERVILLE IL 605631397, 230, NAPERVILLE, IL 60563-1397
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Kendall County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kendall County
County Subdivision	Little Rock Township
Municipality	Plano City
Unified School District	Plano Community Unit School District 88 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$143,976 (+16.13%) Land $10,918 Building $133,058	$431,928 (+16.13%) Land $32,754 Building $399,174
2024	$9,707.00	$123,977 (+23.22%) Land $9,377 Building $114,600	$371,931 (+23.22%) Land $28,131 Building $343,800
2022		$100,612 Land $7,610 Building $93,002	$301,836 Land $22,830 Building $279,006

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 September 18, 2025 · 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	4 in force
Nearby Flood Claims	1 (2008)
Most Recent Claim	Sep 2008 · Severe Storms And 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	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	PLANO serves 12,600 people · EPA ID IL0930200
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	12 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 360 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Metronet, Watch TV.

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