3604 Sumac Dr, Joliet, IL 60435 Property Records

Will County property record for 3604 Sumac Dr, Joliet, IL 60435

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,854 sqft · built 2006
Lot Size	0.23 acres (10,033 sqft)
Owner	Individual Name on File
Last Sale	$239,900 (Dec 2017)
Tax Bill	$8,458 (2025)
Deeds & Mortgages	Jan 2023 Second Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-03-24-413-001`

Property Details

APN / Parcel Number

Primary APN	`06-03-24-413-001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,854 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Roof Material	Shingle
Lot Area	10,033 sqft (0.23 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3604 SUMAC DR
City	JOLIET
State	IL
Zip	60435-9064
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 312 IN CAMBRIDGE RUN UNIT TWO A, BEING A SUB OF PRT OF THE NE1/4 SE1/4 OF SEC 24, T36N-R9E.
Legal Range	09E
Legal Township	36N
Legal Section	24
Legal Subdivision	CAMBRIDGE RUN
Legal Lot Number	312
Legal Unit	2
Jurisdiction	WILL IL
Township / Civil Division	PLAINFIELD
Census Block Group	2
Census Block	2003
Census Tract	880428

Owner

3604 Sumac Dr is owned and occupied by an individual who bought it in December 2017.

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

Owner of Record	Individual Name on File
Mailing Address	3604 SUMAC DR, JOLIET, IL 60435-9064
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jan 12, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
May 3, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Dec 29, 2017	Warranty Deed, Transfer · FHA Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2017 · Amount on File
Deed Sale	Dec 29, 2017 · Amount on File
Prior Sale	Mar 15, 2012 · Amount on File
Deed Document Number	2017101492
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3604 SUMAC DR, JOLIET, IL 60435-9064
Transaction Type	Mortgage
Record Updated	Jan 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002127
Date	Jan 12, 2023
Instrument	R2023002127

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	179 Months
Due	Dec 1, 2037

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3604 SUMAC DR, JOLIET, IL 60435-9064
Transaction Type	Mortgage
Record Updated	May 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049592
Date	May 3, 2021
Instrument	R2021049592

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jun 1, 2050

Interest

Rate	3.12%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	3604 SUMAC DR, JOLIET, IL 60435-9064
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032586
Date	Apr 30, 2020
Instrument	R2020032586

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILL IL
Recording Date	Dec 29, 2017
Property Address	3604 SUMAC DR, JOLIET, IL 60435-9064
Document Number	0000101492
Map Reference	DOC R200490270
Instrument Date	Dec 6, 2017
Instrument	R2017101492
Transaction Type	Transfer
Record Updated	Nov 4, 2021
Title Company	BARRISTER TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 WHISPERING CT, STREAMWOOD, IL 60107-2306

Mortgage

Document Number	0000101493
Date	Dec 29, 2017
Instrument	R2017101493

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3604 Sumac Dr was $8,458.

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	$8,458.00	$131,639 (+8.45%) Land $28,467 Building $103,172	$394,917 (+8.45%) Land $85,401 Building $309,516
2024		$121,382 Land $26,249 Building $95,133	$364,146 Land $78,747 Building $285,399
2022	$7,152.00 Homeowner's exemption	$97,084 Land $21,293 Building $75,791	$291,252 Land $63,879 Building $227,373

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 3604 Sumac Dr in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	5 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

The area around 3604 Sumac 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	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 697 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	100 / 20

May also be available: Verizon.

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