2 Richards St, Joliet, IL 60433 Property Records

Will County property record for 2 Richards St, Joliet, IL 60433

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,376 sqft · built 1997
Lot Size	0.29 acres (12,698 sqft)
Owner	Company Name on Record
Tax Bill	$3,626 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`30-07-15-104-012`

Property Details

APN / Parcel Number

Primary APN	`30-07-15-104-012`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,376 sqft Living Area
Gross Area	1,323 sqft
1st Floor Area	683 sqft
Basement Area	688 sqft
Unfinished Basement	688 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Lot Area	12,698 sqft (0.29 acres)
Lot Dimensions	150 ft deep x 81 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	2 RICHARDS ST
City	JOLIET
State	IL
Zip	60433-1019
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 IN RICHARD'S GROVE, A RESUB OF PRT OF THE E1/2 NW1/4 OF SEC 15, T35N-R10E.
Legal Range	10E
Legal Township	35N
Legal Section	15
Legal Subdivision	RICHARDS GROVE
Legal Lot Number	1
Jurisdiction	WILL IL
Township / Civil Division	JOLIET
Census Block Group	2
Census Block	2061
Census Tract	882000

Owner

Source: Will County records, as of August 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 8700, ROLLING MEADOWS, IL 60008
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2025	Deed of Trust, Mortgage · Conventional Mortgage BMO BANK NA
Oct 20, 2017	Deed of Trust, Mortgage BMO HARRIS BANK NA
Apr 10, 2019	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 1998
Deed Sale	Feb 27, 1998
Deed Document Number	199819817
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	2 RICHARDS ST, JOLIET, IL 60433-1019
Transaction Type	Mortgage
Record Updated	Nov 3, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 RICHARDS ST, JOLIET, IL 60433-1019

Mortgage

Document Number	0000058866
Date	Oct 21, 2025
Instrument	R2025058866

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

Interest

Rate	6.87%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	2 RICHARDS ST, JOLIET, IL 60433-1019
Transaction Type	Mortgage
Record Updated	Dec 5, 2022
Title Company	ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000082487
Date	Oct 20, 2017
Instrument	R2017082487

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Oct 18, 2032

Interest

Rate	7.24%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	2 RICHARDS ST, JOLIET, IL 60433-1019
Transaction Type	Mortgage
Record Updated	Dec 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020416
Date	Apr 10, 2019
Instrument	R2019020416

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 3, 2049

Interest

Rate Type	Adjustable Rate
Rate	9.59%
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Will County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Will County
County Subdivision	Joliet Township
Municipality	Joliet City
Elementary School District	Joliet Public School District 86 (PK - 08)
Secondary School District	Joliet Township High School District 204 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,626.00 (+18.69%)	$53,157 (+9.3%) Land $11,603 Building $41,554	$159,471 (+9.3%) Land $34,809 Building $124,662
2024		$48,634 (+24.43%) Land $10,616 Building $38,018	$145,902 (+24.43%) Land $31,848 Building $114,054
2022	$3,055.00 Homeowner's exemption	$39,087 Land $8,532 Building $30,555	$117,261 Land $25,596 Building $91,665

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 11, 2026 · 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
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	3 (1981–1996)
Most Recent Claim	Jul 1996 · 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	Not rated no burnable land within 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 508 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Bertram Communications, Verizon.

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