3955 Pratt St, Plano, IL 60545 Property Records

Kendall County property record for 3955 Pratt St, Plano, IL 60545

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,720 sqft · built 2009
Lot Size	0.47 acres (20,491 sqft)
Owner	2 Individual Names on Record
Last Sale	$226,000 (Oct 2023)
Tax Bill	$6,789 (2024)
Deeds & Mortgages	Dec 2023 Mortgage Dec 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`01-25-204-039`

Property Details

APN / Parcel Number

Primary APN	`01-25-204-039`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,720 sqft Living Area
Gross Area	2,160 sqft
1st Floor Area	1,720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Bi-Level
Exterior Material	Concrete
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	20,491 sqft (0.47 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3955 PRATT ST
City	PLANO
State	IL
Zip	60545-2282
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 710-1 RYLAND AT LAKEWOOD SPRINGS CONDOS & % INTEREST IN COMMON AREA, CITY OF PLANO
Legal Subdivision	RYLAND AT LAKEWOOD SPRINGS CONDOS
Jurisdiction	KENDALL IL
Township / Civil Division	LITTLE ROCK
Census Block Group	3
Census Block	3060
Census Tract	890501

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	3955 PRATT ST, PLANO, IL 60545-2282
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2023	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Dec 1, 2023	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Oct 20, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Aug 26, 2022	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Oct 3, 2017	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC
Jun 15, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2023 · Amount on Record
Deed Sale	Oct 20, 2023 · Amount on Record
Prior Sale	Oct 3, 2017 · Amount on Record
Deed Document Number	202312183
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	3955 PRATT ST, PLANO, IL 60545-2282
Transaction Type	Mortgage
Record Updated	Mar 4, 2024
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3955 PRATT ST 701-1, 701-1, PLANO, IL 60545-2282

Mortgage

Document Number	0000013834
Date	Dec 1, 2023
Instrument	202300013834

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	FINKSBURG, MD 21048

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.87%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	3955 PRATT ST, PLANO, IL 60545-2282
Transaction Type	Mortgage
Record Updated	Feb 28, 2024
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3955 PRATT ST 710-1, 710-1, PLANO, IL 60545-2282

Mortgage

Document Number	0000013834
Date	Dec 1, 2023
Instrument	202300013834

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Dec 1, 2063

Interest

Rate Type	Fixed Rate
Rate	7.87%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Oct 20, 2023
Property Address	3955 PRATT ST, PLANO, IL 60545-2282
Document Number	0000012183
Map Reference	DOC 200400025148
Instrument Date	Jul 31, 2023
Instrument	202300012183
Transaction Type	Transfer
Record Updated	Dec 7, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$226.00
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	3955 PRATT ST, PLANO, IL 60545-2282

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	3955 PRATT ST, PLANO, IL 60545-2282
Transaction Type	Mortgage
Record Updated	Sep 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3955 PRATT ST, PLANO, IL 60545-2282

Mortgage

Document Number	0000014246
Date	Aug 26, 2022
Instrument	202200014246

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 24, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Oct 3, 2017
Property Address	3955 PRATT ST, PLANO, IL 60545-2282
Document Number	0000015712
Instrument Date	Sep 14, 2017
Instrument	15712
Transaction Type	Transfer
Record Updated	Oct 19, 2017
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TITLE PTRS LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3350 WHITE OAK DR OSWEGO IL 605437123, OSWEGO, IL 60543-7123

Mortgage

Document Number	15713
Date	Oct 3, 2017
Instrument	15713

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 2, 2047

Interest

Rate	4.37%

June 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KENDALL IL
Recording Date	Jun 15, 2017
Property Address	3955 PRATT ST, PLANO, IL 60545-2282
Document Number	0000009170
Instrument Date	Jun 14, 2017
Instrument	9170
Transaction Type	Foreclosure
Record Updated	Jul 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$96.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1730 PARK ST #119 NAPERVILLE IL 605632611, 119, NAPERVILLE, IL 60563-2611

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Kendall County
County Subdivision	Little Rock Township
Municipality	Plano City
Unified School District	Plano Community Unit School District 88 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$87,822 (+58.54%) Land $7,375 Building $80,447	$263,466 (+58.54%) Land $22,125 Building $241,341
2024	$6,789.00
2022		$55,395 Land $4,991 Building $50,404	$166,185 Land $14,973 Building $151,212

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	7 in force
Nearby Flood Claims	3 (1997–2013)
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, 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	Low lower than 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	PLANO serves 12,600 people · EPA ID IL0930200
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	12 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 163 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
AT&T DSL	100 / 20

May also be available: NewarkNet, Verizon.

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