1909 Willoughby Ln, Joliet, IL 60431 Property Records

Kendall County property record for 1909 Willoughby Ln, Joliet, IL 60431

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,612 sqft · built 2020
Lot Size	0.208 acres (9,077 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (May 2021)
Tax Bill	$8,668 (2024)
Deeds & Mortgages	Jun 2023 Mortgage May 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-35-303-025`

Property Details

APN / Parcel Number

Primary APN	`06-35-303-025`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,612 sqft Living Area
1st Floor Area	2,612 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	9,077 sqft (0.208 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1909 WILLOUGHBY LN
City	JOLIET
State	IL
Zip	60431-7818
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 141 (EXC WLY .2) WINDSOR RIDGE SUB, CITY OF JOLIET
Legal Subdivision	WINDSOR RIDGE SUB
Legal Lot Number	141
Jurisdiction	KENDALL IL
Township / Civil Division	NA-AU-SAY
Census Block Group	3
Census Block	3019
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	1909 WILLOUGHBY LN, JOLIET, IL 60431-7818
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 17, 2021	Warranty Deed, Transfer · FHA Mortgage NEIGHBORHOOD LOANS
Aug 13, 2020	Special Warranty Deed, Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC
Apr 10, 2018	Grant Deed, Transfer ATTORNEY ONLY
Apr 10, 2018	Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2021 · Amount on Record
Deed Sale	May 17, 2021 · Amount on Record
Prior Sale	Aug 13, 2020 · Amount on Record
Deed Document Number	202112611
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	1909 WILLOUGHBY LN, JOLIET, IL 60431-7818
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1909 WILLOUGHBY LN, JOLIET, IL 60431-7818

Mortgage

Document Number	0000006570
Date	Jun 16, 2023
Instrument	202300006570

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	335 Months
Due	May 1, 2051

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	May 17, 2021
Property Address	1909 WILLOUGHBY LN, JOLIET, IL 60431-7818
Document Number	0000012611
Map Reference	DOC 200500030871
Instrument Date	Apr 24, 2021
Instrument	202100012611
Transaction Type	Transfer
Record Updated	May 26, 2021
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	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1909 WILLOUGHBY LN, JOLIET, IL 60431-7818

Mortgage

Document Number	0000012612
Date	May 17, 2021
Instrument	202100012612

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.5%

August 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Aug 13, 2020
Property Address	1909 WILLOUGHBY LN, JOLIET, IL 60431-7818
Document Number	0000015141
Map Reference	DOC 200500030871
Instrument Date	Jul 21, 2020
Instrument	202000015141
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	CAL ATLANTIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1141 E MAIN ST # ST108, 1141, EAST DUNDEE, IL 60118-2440

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1909 WILLOUGHBY LN, JOLIET, IL 60431-7818

Mortgage

Document Number	0000015142
Date	Aug 13, 2020
Instrument	202000015142

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENDALL IL
Recording Date	Apr 10, 2018
Property Address	1909 WILLOUGHBY LN, JOLIET, IL 60431-7818
Document Number	0000004750
Instrument Date	Apr 2, 2018
Instrument	4750
Transaction Type	Transfer
Record Updated	Sep 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1908 BALMORAL ST JOLIET IL 604317815, JOLIET, IL 60431-7815

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENDALL IL
Recording Date	Apr 10, 2018
Property Address	1909 WILLOUGHBY LN, JOLIET, IL 60431-7818
Document Number	0000004748
Instrument Date	Mar 26, 2018
Instrument	4748
Transaction Type	Transfer
Record Updated	Sep 13, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$525.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1141 E MAIN ST #108 EAST DUNDEE IL 601182440, 108, EAST DUNDEE, IL 60118-2440
Investor	Possibly a Property Investor

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		$128,464 (+9.62%) Land $16,000 Building $112,464	$385,392 (+9.62%) Land $48,000 Building $337,392
2024	$8,668.00
2022		$117,189 Land $14,003 Building $103,186	$351,567 Land $42,009 Building $309,558

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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