3209 Whitegate Rd, Joliet, IL 60431 Property Records

Will County property record for 3209 Whitegate Rd, Joliet, IL 60431

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,230 sqft · built 1996
Lot Size	0.22 acres (9,600 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Apr 2005)
Tax Bill	$7,239 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Mar 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-03-35-203-016`

Property Details

APN / Parcel Number

Primary APN	`06-03-35-203-016`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,230 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Roof Material	Shingle
Lot Area	9,600 sqft (0.22 acres)
Lot Dimensions	120 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	346 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	3209 WHITEGATE RD
City	JOLIET
State	IL
Zip	60431-0633
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 118 WEXFORD SUB UNIT 3, BEING A SUB OF PRT OF THE E1/2 OF THE NE1/4, SEC 35, T36N-R9E.
Legal Range	09E
Legal Township	36N
Legal Section	35
Legal Subdivision	WEXFORD UNIT 3
Legal Lot Number	118
Legal Unit	3
Jurisdiction	WILL IL
Township / Civil Division	PLAINFIELD
Census Block Group	1
Census Block	1007
Census Tract	880414

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	Individual Name on Record
Mailing Address	3209 WHITEGATE RD, JOLIET, IL 60431-0633
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage EARTHMOVER CU
Mar 13, 2023	Deed of Trust, Mortgage · Line of Credit EARTHMOVER CU
Nov 27, 2024	Deed of Trust, Mortgage · Line of Credit EARTHMOVER CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2005 · Amount on Record
Deed Sale	Apr 18, 2005 · Amount on Record
Prior Sale	Nov 18, 1996 · Amount on Record
Deed Document Number	200563946
Prior Transfer Date	Oct 29, 1996
Prior Transfer Doc	0000103304
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3209 WHITEGATE RD, JOLIET, IL 60431-0633
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000108362
Date	Oct 4, 2021
Instrument	R2021108362

Lender

Name	EARTHMOVER CU
Type	Credit Union
Address	OSWEGO, IL 60543

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2036

Interest

Rate Type	Fixed Rate
Rate	3%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3209 WHITEGATE RD, JOLIET, IL 60431-0633
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011516
Date	Mar 13, 2023
Instrument	R2023011516

Lender

Name	EARTHMOVER CU
Type	Credit Union
Address	AURORA, IL 60507

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3209 WHITEGATE RD, JOLIET, IL 60431-0633
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000063045
Date	Nov 27, 2024
Instrument	R2024063045

Lender

Name	EARTHMOVER CU
Type	Credit Union
Address	AURORA, IL 60507

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 26, 2054

Interest

Rate Type	Adjustable Rate
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	Plainfield 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	$7,239.00 (+18.34%)	$113,814 (+8.45%) Land $22,131 Building $91,683	$341,442 (+8.45%) Land $66,393 Building $275,049
2024		$104,946 (+25.08%) Land $20,407 Building $84,539	$314,838 (+25.08%) Land $61,221 Building $253,617
2022	$6,117.00 Homeowner's exemption	$83,906 Land $16,554 Building $67,352	$251,718 Land $49,662 Building $202,056

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 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 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	32 (1983–2020)
Claims Outside the SFHA	7 of 32
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 10 claims Severe Storms And Flooding, Sep 2008 · 16 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

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 292 locations within half a mile, as of December 31, 2025

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

May also be available: Bertram Communications, Verizon.

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