20 Cebold Dr, Montgomery, IL 60538 Property Records

Kendall County property record for 20 Cebold Dr, Montgomery, IL 60538

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,056 sqft · built 1968
Lot Size	0.23 acres (9,996 sqft)
Owner	2 Individual Names on File
Last Sale	$224,500 (Jul 2021)
Tax Bill	$5,690 (2024)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-08-280-010`

Property Details

APN / Parcel Number

Primary APN	`03-08-280-010`
Alternative APN	`1008280010`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
Gross Area	1,344 sqft
1st Floor Area	1,056 sqft
Basement Area	1,056 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1979
Architectural Style	Ranch
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,996 sqft (0.23 acres)
Lot Dimensions	120 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	20 CEBOLD DR
City	MONTGOMERY
State	IL
Zip	60538-2714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 87 BOULDER HILL UNIT 17 SEC. 8-37-8
Legal Range	08E
Legal Township	37N
Legal Section	08
Legal Subdivision	BOULDER HILL
Legal Lot Number	87
Jurisdiction	KENDALL IL
Township / Civil Division	OSWEGO
Census Block Group	1
Census Block	1002
Census Tract	890302

Owner

20 Cebold Dr is owned and occupied by two individuals who bought it in July 2021.

Source: Kendall County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 CEBOLD DR, MONTGOMERY, IL 60538-2714
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2021 · Amount on File
Deed Sale	Jul 14, 2021 · Amount on File
Prior Sale	Jun 12, 2007 · Amount on File
Deed Document Number	202117902
Prior Transfer Date	Dec 16, 2004
Prior Transfer Doc	0000002702
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Jul 14, 2021
Property Address	20 CEBOLD DR, MONTGOMERY, IL 60538-2714
Document Number	0000017902
Instrument Date	Jul 9, 2021
Instrument	202100017902
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$224.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1093 N OHIO ST, AURORA, IL 60505-1963

Mortgage

Document Number	0000017903
Date	Jul 14, 2021
Instrument	202100017903

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Kendall County
County Subdivision	Oswego Township
Unified School District	Oswego Community Unit School District 308 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$82,565 Land $25,015 Building $57,550	$247,695 Land $75,045 Building $172,650
2024	$5,690.00
2022		$64,421 Land $19,518 Building $44,903	$193,263 Land $58,554 Building $134,709

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

FEMA maps place 20 Cebold Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1996.

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	3 in force
Nearby Flood Claims	3 (1996–2013)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2008 · 2 claims

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

The area around 20 Cebold Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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	OSWEGO serves 38,169 people · EPA ID IL0930150
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Jan 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 405 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20