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109 Circle Dr W, Montgomery, IL 60538 Property Records

Kendall County property record for 109 Circle Dr W, Montgomery, IL 60538

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,338 sqft · built 1971
Lot Size0.427 acres (18,590 sqft)
OwnerCompany Name on Record
Last Sale$99,000 (Jul 1987)
Tax Bill$6,791 (2024)
Deeds & MortgagesNov 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN03-08-281-006

Property Details

APN / Parcel Number

Primary APN03-08-281-006
Alternative APN
  • 1008281006

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Stories1 Story
Building Area1,338 sqft Living Area
Gross Area2,634 sqft
1st Floor Area1,338 sqft
Basement Area756 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1971
Effective Year BuiltEffective 1971
Architectural StyleRaised Ranch
Construction TypeFrame
Roof MaterialAsphalt
Lot Area18,590 sqft (0.427 acres)
Lot Dimensions182 ft deep x 75 ft wide
Garage TypeAttached
Garage Area540 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address109 CIRCLE DR W
CityMONTGOMERY
StateIL
Zip60538-2725
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 2 BOULDER HILL UNIT 21 SEC. 8 & 9-37-8
Legal Range08E
Legal Township37N
Legal Section08
Legal SubdivisionBOULDER HILL
Legal Lot Number2
JurisdictionKENDALL IL
Township / Civil DivisionOSWEGO
Census Block Group1
Census Block1001
Census Tract890302

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 RecordCompany Name on Record
Mailing Address109 CIRCLE DR W, MONTGOMERY, IL 60538-2725
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 1, 1987 · Amount on Record
Deed SaleJul 1, 1987 · Amount on Record
Deed Document Number19874946
Last Transfer DateDec 29, 2014
Transfer Doc0000001722
Record UpdatedSep 20, 2026

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENDALL IL
Property Address109 CIRCLE DR W, MONTGOMERY, IL 60538-2725
Document Number0000019811
Instrument DateNov 15, 2019
Transaction TypeMortgage
Record UpdatedJan 3, 2020
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address109 CIRCLE DR W MONTGOMERY IL 605382725, MONTGOMERY, IL 60538-2725

Mortgage

Document Number0000019811
DateDec 23, 2019
Instrument19811
Lender
NameEARTHMOVER CU
TypeCredit Union
AddressAURORA, IL 60507
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term84 Months
DueDec 22, 2026

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyKendall County
County SubdivisionOswego Township
Unified School DistrictOswego Community Unit School District 308 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$104,732 (+28.16%) Land $25,015 Building $79,717$314,196 (+28.16%) Land $75,045 Building $239,151
2024$6,791.00
2022$81,717 Land $19,518 Building $62,199$245,151 Land $58,554 Building $186,597

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 18, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force
Nearby Flood Claims3 (1996–2013)
Claims Outside the SFHA1 of 3
Most Recent ClaimApr 2013 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event
  • Severe Storms And Flooding, Sep 2008 · 2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot 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 SystemOSWEGO
serves 38,169 people · EPA ID IL0930150
Water SourceGroundwater
Last State InspectionOct 2025
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityRadium
resolved · Jan 2017
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 405 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Metronet
Fiber		5,120 / 5,120
Xfinity
Cable		2,000 / 250
Watch TV
Fixed Wireless		400 / 40
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless		100 / 20

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