165 W Ray St, Bourbonnais, IL 60914 Property Records

Kankakee County property record for 165 W Ray St, Bourbonnais, IL 60914

Property Summary

Property TypeSingle Family Home
Lot Size0.109 acres (4,750 sqft)
Owner2 Trust Names on File
Last Sale$60,000 (Oct 2026)
Tax Bill$2,847 (2025)
Deeds & MortgagesOct 2026 Construction Loan
Oct 2026 Sale & Construction Loan
+ 4 more
Flood ZoneZone X (minimal risk)
APN17-09-19-413-003

Property Details

APN / Parcel Number

Primary APN17-09-19-413-003

Exterior

Lot Area4,750 sqft (0.109 acres)

Location & Zoning

Street Address165 W RAY ST
CityBOURBONNAIS
StateIL
Zip60914-1929
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionNUMA RAY RESUB BLKS 1-2 LOT 7 BLK 1 19-31-12E
Legal SubdivisionNUMA RAYS RE
Legal Block1-2,1
Legal Lot Number7
JurisdictionKANKAKEE IL
Township / Civil DivisionBOURBONNAIS
Census Block Group1
Census Block1015
Census Tract10500

Owner

165 W Ray St is owner-occupied and held in a trust since October 2026.

Source: Kankakee County records, as of October 20, 2026

Owner of Record2 Trust Names on File
Mailing Address720 MAIN ST NW, BOURBONNAIS, IL 60914-2311
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Oct 2, 2026Deed of Trust, Mortgage · Construction Mortgage
TRUST SAVINGS BANK
Oct 2, 2026Deed, Transfer · Construction Mortgage
TRUST SAVINGS BANK
Sep 24, 2026Deed of Trust, Mortgage · Reverse Mortgage
FEDERAL HOUSING COMMISSIONER
Sep 24, 2026Deed of Trust, Mortgage · Reverse Mortgage
LONGBRIDGE FINANCIAL LLC
Aug 4, 2022Warranty Deed, Transfer
E-CHICAGO TITLE, CHICAGO TITLE
Mar 1, 2018Deed of Trust, Mortgage · FHA Mortgage
CARRINGTON MORTGAGE SVCS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 2, 2026 · Amount on File
Deed SaleOct 2, 2026 · Amount on File
Prior SaleAug 4, 2022 · Amount on File
Deed Document Number202611056
Record UpdatedOct 29, 2026

October 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANKAKEE IL
Recording DateOct 2, 2026
Property Address165 W RAY ST, BOURBONNAIS, IL 60914-1929
Document Number0000011057
Instrument DateSep 24, 2026
Instrument202611057
Transaction TypeMortgage
Record UpdatedOct 20, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address720 MAIN ST NW, BOURBONNAIS, IL 60914-2311

Mortgage

Document Number0000011057,
DateOct 2, 2026
Instrument202611057
Lender
NameTRUST SAVINGS BANK
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term5 Months
DueMar 24, 2027
Interest
Max Rate-1%

October 2026: Deed, Transfer

Document TypeDeed
JurisdictionKANKAKEE IL
Recording DateOct 2, 2026
Property Address165 W RAY ST, BOURBONNAIS, IL 60914-1929
Document Number0000011056
Instrument DateSep 22, 2026
Instrument202611056
Transaction TypeTransfer
Record UpdatedOct 20, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$9,090.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTrust
Address720 MAIN ST NW, BOURBONNAIS, IL 60914-2311

Mortgage

Document Number0000011056,
DateOct 2, 2026
Instrument202611056
Lender
NameTRUST SAVINGS BANK
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term5 Months
DueMar 24, 2027
Interest
Max Rate-1%

September 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANKAKEE IL
Recording DateSep 24, 2026
Property Address165 W RAY ST, BOURBONNAIS, IL 60914-1929
Document Number0000010748
Instrument DateAug 15, 2026
Instrument202610748
Transaction TypeMortgage
Record UpdatedOct 8, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address165 W RAY ST, BOURBONNAIS, IL 60914-1929
InvestorPossibly a Property Investor

Mortgage

Document Number0000010748,
DateSep 24, 2026
Instrument202610748
Lender
NameFEDERAL HOUSING COMMISSIONER
Agreement
TypeReverse Mortgage
AmountAmount on Record
Term970 Months
DueJul 15, 2107
Interest
Rate TypeAdjustable Rate
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

September 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANKAKEE IL
Recording DateSep 24, 2026
Property Address165 W RAY ST, BOURBONNAIS, IL 60914-1929
Document Number0000010747
Instrument DateAug 15, 2026
Instrument202610747
Transaction TypeMortgage
Record UpdatedOct 8, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address165 W RAY ST, BOURBONNAIS, IL 60914-1929
InvestorPossibly a Property Investor

Mortgage

Document Number0000010747,
DateSep 24, 2026
Instrument202610747
Lender
NameLONGBRIDGE FINANCIAL LLC
Agreement
TypeReverse Mortgage
AmountAmount on Record
Term970 Months
DueJul 15, 2107
Interest
Max Rate-1%

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANKAKEE IL
Recording DateAug 4, 2022
Property Address165 W RAY ST, BOURBONNAIS, IL 60914-1929
Document Number0202208884
Instrument DateJul 26, 2022
Instrument202208884
Transaction TypeTransfer
Record UpdatedAug 24, 2022
Title CompanyE-CHICAGO TITLE, CHICAGO TITLE

Transaction

AmountAmount on Record
Tax$217.50
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address7724 WOODWARD AVE # 8G, 8G, WOODRIDGE, IL 60517-3109
InvestorPossibly a Property Investor

March 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANKAKEE IL
Property Address165 W RAY ST, BOURBONNAIS, IL 60914-1929
Transaction TypeMortgage
Record UpdatedFeb 9, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number201801910
DateMar 1, 2018
Instrument201801910
Lender
NameCARRINGTON MORTGAGE SVCS
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueMar 1, 2048
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 165 W Ray St was $2,847 with exemptions applied, down 1.1% from the year before.

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

Property Jurisdictions

TypeName
StateIllinois
MunicipalityBourbonnais Village
CountyKankakee County
County SubdivisionBourbonnais Township
Elementary School DistrictBourbonnais School District 53 (PK - 08)
Secondary School DistrictBradley-Bourbonnais Consolidated High School District 307 (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,847.00 (-1.15%)$55,075 Land $5,566 Building $49,509$165,225 Land $16,698 Building $148,527
2024$2,880.00
2023$45,661 Land $4,862 Building $40,799$136,983 Land $14,586 Building $122,397
2022$2,774.00

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

Flood

FEMA maps place 165 W Ray St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1991.

Source: FEMA National Flood Hazard Layer, effective February 14, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 10 policies
Nearby Flood Policies10 in force
Nearby Flood Claims3 (1991–2010)
Claims Outside the SFHA1 of 3
Most Recent ClaimJun 2010 · rainfall accumulation

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

Wildfire risk around 165 W Ray St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire RiskLow
lower than 98% of the US · lower than 86% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemAQUA ILLINOIS-KANKAKEE
private · serves 80,000 people · EPA ID IL0915030
Water SourceSurface water
Last State InspectionFeb 2025
Lead2 ppb (2026)
action level 15 ppb
Copper3.3 mg/L (2017–2019)
action level 1.3 mg/L

Violations Reported to EPA

Water QualityTurbidity
resolved · Jan 2024
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting4
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 286 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Pavlov Media
Fiber
8,000 / 8,000
Xfinity
Cable
2,000 / 250
Verizon
Fixed Wireless
300 / 20
AT&T
DSL
100 / 20

May also be available: Bertram Communications, Surf Internet, T-Mobile.

Nearby Properties on W Ray St

Nearby Streets

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