3198 Patterson Rd, Montgomery, IL 60538 Property Records

Kendall County property record for 3198 Patterson Rd, Montgomery, IL 60538

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,960 sqft · built 2020
Lot Size	0.255 acres (11,112 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Mar 2020)
Tax Bill	$11,253 (2024)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-03-491-002`

Property Details

APN / Parcel Number

Primary APN	`02-03-491-002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,960 sqft Living Area
Gross Area	5,063 sqft
1st Floor Area	2,960 sqft
Basement Area	1,474 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Material	Asphalt
Lot Area	11,112 sqft (0.255 acres)
Lot Dimensions	147 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	629 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3198 PATTERSON RD
City	MONTGOMERY
State	IL
Zip	60538-3371
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 169 HUNTINGTON CHASE VILLAGE OF MONTGOMERY
Legal Subdivision	HUNTINGTON CHASE
Legal Lot Number	169
Jurisdiction	KENDALL IL
Township / Civil Division	BRISTOL
Census Block Group	1
Census Block	1024
Census Tract	890403

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	3198 PATTERSON RD, MONTGOMERY, IL 60538-3371
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Mar 24, 2020	Special Warranty Deed, Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC
Apr 17, 2018	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2020 · Amount on Record
Deed Sale	Mar 24, 2020 · Amount on Record
Prior Sale	Apr 17, 2018 · Amount on Record
Deed Document Number	20204637
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	3198 PATTERSON RD, MONTGOMERY, IL 60538-3371
Transaction Type	Mortgage
Record Updated	Aug 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020299
Date	Aug 2, 2021
Instrument	202100020299

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2051

March 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Mar 24, 2020
Property Address	3198 PATTERSON RD, MONTGOMERY, IL 60538-3371
Document Number	0000004637
Map Reference	DOC 200400028796
Instrument Date	Mar 20, 2020
Instrument	202000004637
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	CALATLANTIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
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	3198 PATTERSON RD, MONTGOMERY, IL 60538-3371

Mortgage

Document Number	0000004638
Date	Mar 24, 2020
Instrument	202000004638

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENDALL IL
Recording Date	Apr 17, 2018
Property Address	3198 PATTERSON RD, MONTGOMERY, IL 60538-3371
Document Number	0000005061
Instrument Date	Apr 10, 2018
Instrument	5061
Transaction Type	Transfer
Record Updated	Apr 25, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$2,138.58
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	Bristol Township
Municipality	Montgomery Village
Unified School District	Yorkville Community Unit School District 115 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$150,802 (+9.24%) Land $14,531 Building $136,271	$452,406 (+9.24%) Land $43,593 Building $408,813
2024	$11,253.00	$138,047 (+23.11%) Land $13,302 Building $124,745	$414,141 (+23.11%) Land $39,906 Building $374,235
2022		$112,129 Land $10,804 Building $101,325	$336,387 Land $32,412 Building $303,975

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	8 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 97% of the US · lower than 79% 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	MONTGOMERY serves 28,956 people · EPA ID IL0894690
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 313 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

May also be available: Verizon.

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