1908 Willoughby Ln, Joliet, IL 60431 Property Records

Kendall County property record for 1908 Willoughby Ln, Joliet, IL 60431

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,186 sqft · built 2006
Lot Size	0.225 acres (9,791 sqft)
Owner	Individual Name on Record
Last Sale	$410,000 (Jun 2023)
Tax Bill	$9,477 (2024)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-35-304-003`

Property Details

APN / Parcel Number

Primary APN	`06-35-304-003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,186 sqft Living Area
Gross Area	5,220 sqft
1st Floor Area	3,186 sqft
Basement Area	1,551 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Material	Asphalt
Lot Area	9,791 sqft (0.225 acres)
Lot Dimensions	130 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1908 WILLOUGHBY LN
City	JOLIET
State	IL
Zip	60431-7817
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 135 WINDSOR RIDGE SUB UNIT 1 CITY OF JOLIET
Legal Subdivision	WINDSOR RIDGE SUB
Legal Lot Number	135
Jurisdiction	KENDALL IL
Township / Civil Division	NA-AU-SAY
Census Block Group	3
Census Block	3014
Census Tract	890702

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 Record	Individual Name on Record
Mailing Address	1908 WILLOUGHBY LN, JOLIET, IL 60431-7817
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2023	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Dec 9, 2021	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2023 · Amount on Record
Deed Sale	Jun 22, 2023 · Amount on Record
Prior Sale	Dec 13, 2006 · Amount on Record
Deed Document Number	20236821
Last Transfer Date	Feb 14, 2025
Transfer Doc	0000002104
Record Updated	Sep 20, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Jun 22, 2023
Property Address	1908 WILLOUGHBY LN, JOLIET, IL 60431-7817
Document Number	0000006821
Map Reference	DOC 200500030871
Instrument Date	May 23, 2023
Instrument	202300006821
Transaction Type	Transfer
Record Updated	Aug 11, 2023
Title Company	FIDELITY NATIONAL TITLE INSURANCE NY, FIDELITY NATIONAL TITLE INS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1908 WILLOUGHBY LN, JOLIET, IL 60431-7817

Mortgage

Document Number	0000006822
Date	Jun 22, 2023
Instrument	202300006822

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.25%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	1908 WILLOUGHBY LN, JOLIET, IL 60431-7817
Transaction Type	Mortgage
Record Updated	Dec 20, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032241
Date	Dec 9, 2021
Instrument	202100032241

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.37%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Kendall County
County Subdivision	Na-Au-Say Township
Municipality	Joliet City
Unified School District	Plainfield School District 202 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$133,734 (+38.61%) Land $16,000 Building $117,734	$401,202 (+38.61%) Land $48,000 Building $353,202
2024	$9,477.00
2022		$96,482 Land $14,003 Building $82,479	$289,446 Land $42,009 Building $247,437

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 September 18, 2025 · 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 Policies	1 in force

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 98% of the US · lower than 86% 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	JOLIET serves 160,000 people · EPA ID IL1970450
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	7 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	7 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 235 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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