1040 S Elm Ave, Kankakee, IL 60901 Property Records

Kankakee County property record for 1040 S Elm Ave, Kankakee, IL 60901

Property Summary

Property Type	Single Family Home
Lot Size	0.16 acres (6,975 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Oct 2023)
Tax Bill	$5,988 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Sep 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-17-05-432-003`

Property Details

APN / Parcel Number

Primary APN	`16-17-05-432-003`

Exterior

Lot Area	6,975 sqft (0.16 acres)

Location & Zoning

Street Address	1040 S ELM AVE
City	KANKAKEE
State	IL
Zip	60901-5432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERSIDE 2ND ADDN LOT 3 BLK 7 05-30-13W
Legal Subdivision	RIVERSIDE SECOND ADD AND SUB
Legal Block	7
Legal Lot Number	3
Jurisdiction	KANKAKEE IL
Township / Civil Division	KANKAKEE
Census Block Group	1
Census Block	1030
Census Tract	12400

Owner

Source: Kankakee 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	Individual Name on Record
Mailing Address	1040 S ELM AVE, KANKAKEE, IL 60901-5432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 19, 2022	Warranty Deed, Transfer · FHA Mortgage NEIGHBORHOOD LOANS INC
Oct 27, 2021	Warranty Deed, Transfer · FHA Mortgage AMRES CORP
Jun 25, 2018	Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2023 · Amount on Record
Deed Sale	Oct 30, 2023 · Amount on Record
Prior Sale	Sep 19, 2022 · Amount on Record
Deed Document Number	202310578
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANKAKEE IL
Recording Date	Oct 30, 2023
Property Address	1040 S ELM AVE, KANKAKEE, IL 60901-5432
Document Number	0202310578
Map Reference	BK D PG 14
Instrument Date	Oct 16, 2023
Instrument	202310578
Transaction Type	Transfer
Record Updated	Nov 15, 2023
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$345.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 S ELM AVE, KANKAKEE, IL 60901-5432

Mortgage

Document Number	0202310579
Date	Oct 30, 2023
Instrument	202310579

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.5%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANKAKEE IL
Recording Date	Sep 19, 2022
Property Address	1040 S ELM AVE, KANKAKEE, IL 60901-5432
Document Number	0202210600
Map Reference	BK D PG 14
Instrument Date	Sep 16, 2022
Instrument	202210600
Transaction Type	Transfer
Record Updated	Oct 5, 2022
Title Company	KANKAKEE COUNTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 S ELM AVE, KANKAKEE, IL 60901-5432

Mortgage

Document Number	0202210601
Date	Sep 19, 2022
Instrument	202210601

Lender

Name	NEIGHBORHOOD LOANS INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate	5.25%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANKAKEE IL
Recording Date	Oct 27, 2021
Property Address	1040 S ELM AVE, KANKAKEE, IL 60901-5432
Document Number	202115139
Map Reference	BK D PG 14
Instrument Date	Oct 22, 2021
Instrument	202115139
Transaction Type	Transfer
Record Updated	Nov 10, 2021
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 S ELM AVE, KANKAKEE, IL 60901-5432
Investor	Possibly a Property Investor

Mortgage

Document Number	202115140
Date	Oct 27, 2021
Instrument	202115140

Lender

Name	AMRES CORP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate	4%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANKAKEE IL
Recording Date	Jun 25, 2018
Property Address	1040 S ELM AVE, KANKAKEE, IL 60901-5432
Document Number	0201806752
Map Reference	PB D PG 14
Instrument Date	Jun 18, 2018
Instrument	201806752
Transaction Type	Transfer
Record Updated	Mar 1, 2022
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$139.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 S ELM AVE, KANKAKEE, IL 60901-5432

Mortgage

Document Number	0201806753
Date	Jun 25, 2018
Instrument	201806753

Lender

Name	MIDLAND STATES BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	5.5%

Tax Assessment & Valuation

Source: Kankakee County assessment roll, as of April 7, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kankakee County
County Subdivision	Kankakee Township
Municipality	Kankakee City
Unified School District	Kankakee School District 111 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,988.00 (+6.32%)	$54,073 (+27.4%) Land $8,461 Building $45,612	$162,219 (+27.4%) Land $25,383 Building $136,836
2024	$5,632.00 (+11.57%)
2023		$42,442 (+14.25%) Land $6,641 Building $35,801	$127,326 (+14.25%) Land $19,923 Building $107,403
2022	$5,048.00	$37,149 Land $5,813 Building $31,336	$111,447 Land $17,439 Building $94,008

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective February 14, 2019 · 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	13 (1994–2018)
Claims Outside the SFHA	1 of 13
Most Recent Claim	Feb 2018

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	AQUA ILLINOIS-KANKAKEE private · serves 80,000 people · EPA ID IL0915030
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	2 ppb (2026) action level 15 ppb
Copper	3.3 mg/L (2017–2019) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	Turbidity resolved · Jan 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 523 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL	100 / 20

May also be available: Verizon.

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