118 N Gadwall Ln, Downs, IL 61736 Property Records

McLean County property record for 118 N Gadwall Ln, Downs, IL 61736

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 949 sqft · built 1999
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$231,000 (May 2018)
Tax Bill	$7,406 (2024)
Deeds & Mortgages	Aug 2021 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`29-04-103-002`

Property Details

APN / Parcel Number

Primary APN	`29-04-103-002`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	949 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	118 N GADWALL LN
City	DOWNS
State	IL
Zip	61736-9343
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 38 MALLARD POINT SUB PT W 1/2 NW 4-22-3E
Legal Range	03E
Legal Township	22N
Legal Section	04
Legal Subdivision	MALLARD POINT SUB
Legal Lot Number	38
Jurisdiction	MCLEAN IL
Township / Civil Division	DOWNS
Census Block Group	3
Census Block	3044
Census Tract	5401

Owner

Source: McLean County records, as of April 8, 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	118 N GADWALL LN, DOWNS, IL 61736-9343
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2021	Deed of Trust, Mortgage · VA Mortgage PNC BANK NA
May 11, 2018	Warranty Deed, Transfer · VA Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2018 · Amount on Record
Deed Sale	May 11, 2018 · Amount on Record
Prior Sale	Aug 20, 2015 · Amount on Record
Deed Document Number	20187315
Prior Transfer Date	Mar 5, 2013
Prior Transfer Doc	0000007056
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCLEAN IL
Property Address	118 N GADWALL LN, DOWNS, IL 61736-9343
Transaction Type	Mortgage
Record Updated	Aug 20, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202100019121
Date	Aug 10, 2021
Instrument	2021-00019121

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

Interest

Rate	2.5%

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCLEAN IL
Recording Date	May 11, 2018
Property Address	118 N GADWALL LN, DOWNS, IL 61736-9343
Document Number	201800007315
Map Reference	DOC96-18714
Instrument Date	May 4, 2018
Instrument	2018-00007315
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	$346.50
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
Address	118 N GADWALL LN, DOWNS, IL 61736-9343

Mortgage

Document Number	201800007316
Date	May 11, 2018
Instrument	2018-00007316

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Interest

Rate	4.62%
Change Frequency	5 Years

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		$101,347 (+20.26%) Land $16,993 Building $84,354	$304,041 (+20.26%) Land $50,979 Building $253,062
2024	$7,406.00 (+7.29%)
2023	$6,903.00	$84,272 Land $14,130 Building $70,142	$252,816 Land $42,390 Building $210,426

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	Low lower than 97% of the US · lower than 79% 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	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.

Nearby Properties on N Gadwall Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures