109 N Gadwall Ln, Downs, IL 61736 Property Records

McLean County property record for 109 N Gadwall Ln, Downs, IL 61736

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,248 sqft · built 1998
Lot Size	0.36 acres (15,681 sqft)
Owner	Individual Name on File
Tax Bill	$7,766 (2024)
Deeds & Mortgages	Aug 2022 Mortgage Oct 2019 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-04-104-013`

Property Details

APN / Parcel Number

Primary APN	`29-04-104-013`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,248 sqft Living Area
1st Floor Area	1,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	15,681 sqft (0.36 acres)
Garage Type	Attached
Garage Area	528 sqft
Porch	Open Frame Porch
Deck Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	109 N GADWALL LN
City	DOWNS
State	IL
Zip	61736-9347
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 MALLARD POINT SUB
Legal Range	03E
Legal Township	22N
Legal Section	04
Legal Subdivision	MALLARD POINT SUB
Legal Lot Number	5
Jurisdiction	MCLEAN IL
Township / Civil Division	DOWNS
Census Block Group	3
Census Block	3043
Census Tract	5401

Owner

109 N Gadwall Ln is owned and occupied by an individual who acquired it in September 2019.

Source: McLean County records, as of April 8, 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	Individual Name on File
Mailing Address	109 N GADWALL LN, DOWNS, IL 61736-9347
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK
Oct 17, 2019	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY
Nov 21, 2018	Deed of Trust, Mortgage · Commercial Mortgage BUSEY BANK
Oct 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 25, 2019
Transfer Doc	0000016917
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	109 N GADWALL LN, DOWNS, IL 61736-9347
Transaction Type	Mortgage
Record Updated	Aug 29, 2022
Title Company	MCLEAN COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202200014658
Date	Aug 19, 2022
Instrument	2022-00014658

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2037

Interest

Rate Type	Fixed Rate
Rate	3.75%

October 2019: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MCLEAN IL
Recording Date	Oct 17, 2019
Property Address	109 N GADWALL LN, DOWNS, IL 61736-9347
Document Number	201900016917
Map Reference	DOC 1996-00018714
Instrument Date	Sep 25, 2019
Instrument	2019-00016917
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	109 N GADWALL LN, DOWNS, IL 61736-9347
Transaction Type	Mortgage
Record Updated	Nov 29, 2018
Title Company	ALAMO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201800019098
Date	Nov 21, 2018
Instrument	2018-00019098

Lender

Name	BUSEY BANK
Type	Bank
Address	URBANA, IL 61803

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 2, 2038

Interest

Rate	5.25%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	109 N GADWALL LN, DOWNS, IL 61736-9347
Transaction Type	Mortgage
Record Updated	Nov 20, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 2017-00017897
Date	Oct 3, 2017
Instrument	2017-00017897

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2032

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		$105,688 Land $16,993 Building $88,695	$317,064 Land $50,979 Building $266,085
2024	$7,766.00 (+14.54%)
2023	$6,780.00 (+8.71%)	$87,881 (+9.47%) Land $14,130 Building $73,751	$263,643 (+9.47%) Land $42,390 Building $221,253
2022	$6,237.00	$80,279 Land $12,908 Building $67,371	$240,837 Land $38,724 Building $202,113

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

Flood

FEMA maps place 109 N Gadwall Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

The area around 109 N Gadwall Ln 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	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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