125 Gray Dr, Gilman, IL 60938 Property Records

Iroquois County property record for 125 Gray Dr, Gilman, IL 60938

Property Summary

Property Type	Single Family Home
Lot Size	0.21 acres (9,186 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Apr 2019)
Tax Bill	$6,176 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Dec 2023 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`17 31 456 018`

Property Details

APN / Parcel Number

Primary APN	`17 31 456 018`

Exterior

Lot Area	9,186 sqft (0.21 acres)

Location & Zoning

Street Address	125 GRAY DR
City	GILMAN
State	IL
Zip	60938-1403
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAY'S 1ST SD IN CORP LT 5
Legal Subdivision	GRAY'S 1ST SD
Legal Lot Number	5
Jurisdiction	IROQUOIS IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1093
Census Tract	950600

Owner

Source: Iroquois County records, as of July 17, 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	125 GRAY DR, GILMAN, IL 60938-1403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2023	Deed of Trust, Mortgage · Commercial Mortgage APCI FCU
Dec 12, 2023	Deed of Trust, Mortgage · Commercial Mortgage APCI FCU
Jun 7, 2021	Deed of Trust, Mortgage · Line of Credit FEDERATED BANK
Jul 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage FEDERATED BANK
Aug 21, 2020	Deed of Trust, Mortgage · Line of Credit FEDERATED BANK
Nov 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage FEDERATED BANK
Apr 17, 2019	Warranty Deed, Transfer · Conventional Mortgage FEDERATED BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2019 · Amount on Record
Deed Sale	Apr 17, 2019 · Amount on Record
Deed Document Number	20191017
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	125 GRAY DR, GILMAN, IL 60938-1403
Transaction Type	Mortgage
Record Updated	Feb 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 GRAY DR, GILMAN, IL 60938-1403

Mortgage

Document Number	00023R3528
Date	Dec 12, 2023
Instrument	23R3528

Lender

Name	APCI FCU
Type	Credit Union
Address	LEHIGH VALLEY, PA 18002

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Dec 1, 2028

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	125 GRAY DR, GILMAN, IL 60938-1403
Transaction Type	Mortgage
Record Updated	Jan 2, 2024
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 GRAY DR, GILMAN, IL 60938-1403

Mortgage

Document Number	00023R3528
Date	Dec 12, 2023
Instrument	23R3528

Lender

Name	APCI FCU
Type	Credit Union
Address	LEHIGH VALLEY, PA 18002

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Dec 1, 2028

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	125 GRAY DR, GILMAN, IL 60938-1403
Transaction Type	Mortgage
Record Updated	Jun 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 GRAY DR, GILMAN, IL 60938-1403

Mortgage

Document Number	21R2213
Date	Jun 7, 2021
Instrument	21R2213

Lender

Name	FEDERATED BANK
Type	Bank
Address	ONARGA, IL 60955

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	May 3, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	125 GRAY DR, GILMAN, IL 60938-1403
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20R2004
Date	Jul 9, 2020
Instrument	20R2004

Lender

Name	FEDERATED BANK
Type	Bank
Address	ONARGA, IL 60955

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

Interest

Rate	2.5%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	125 GRAY DR, GILMAN, IL 60938-1403
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20R2611
Date	Aug 21, 2020
Instrument	20R2611

Lender

Name	FEDERATED BANK
Type	Bank
Address	ONARGA, IL 60955

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Aug 14, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	125 GRAY DR, GILMAN, IL 60938-1403
Transaction Type	Mortgage
Record Updated	Dec 18, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	19R3240
Date	Nov 6, 2019
Instrument	19R3240

Lender

Name	FEDERATED BANK
Type	Bank
Address	ONARGA, IL 60955

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2034

Interest

Rate	3.5%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Apr 17, 2019
Property Address	125 GRAY DR, GILMAN, IL 60938-1403
Document Number	19R1017
Map Reference	MB G PG 7
Instrument Date	Apr 17, 2019
Instrument	19R1017
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 GRAY DR, GILMAN, IL 60938-1403

Mortgage

Document Number	19R1018
Date	Apr 17, 2019
Instrument	19R1018

Lender

Name	FEDERATED BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

Source: Iroquois County assessment roll, as of July 17, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Iroquois County
County Subdivision	Douglas Township
Municipality	Gilman City
Unified School District	Iroquois West Community Unit School District 10 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,176.00 (+12.91%)	$85,470 (+13.22%) Land $6,170 Building $79,300	$256,410 (+13.22%) Land $18,510 Building $237,900
2022	$5,470.00 Homeowner's exemption	$75,490 Land $5,450 Building $70,040	$226,470 Land $16,350 Building $210,120

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 August 16, 2011 · 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 Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 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 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	GILMAN serves 1,793 people · EPA ID IL0750450
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	3 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	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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
Watch TV Fixed Wireless	100 / 20

May also be available: AT&T, Nextlink, Verizon.

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