406 E 2nd St, Gibson City, IL 60936 Property Records

Ford County property record for 406 E 2nd St, Gibson City, IL 60936

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 999 sqft · built 1959
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$95,500 (Aug 2016)
Tax Bill	$3,163 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Nov 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-11-11-480-005`

Property Details

APN / Parcel Number

Primary APN	`09-11-11-480-005`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	999 sqft Living Area
Basement Area	999 sqft
Unfinished Basement	999 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Lot Area	6,000 sqft (0.138 acres)
Lot Dimensions	75 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	624 sqft

Location & Zoning

Street Address	406 E 2ND ST
City	GIBSON CITY
State	IL
Zip	60936-1806
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEASED TO SHARON MOUNTS - DOC 249030-31 LOT 7 & S 5' W 80' LOT 9 RE SUB OF PT OF LOT 2 LAND CO SUB DIV. 80 X 75
Legal Range	07E
Legal Township	23N
Legal Section	11
Legal Subdivision	LAND CO SUB DIV
Legal Lot Number	2,7,9
Jurisdiction	FORD IL
Township / Civil Division	DRUMMER
Census Block Group	4
Census Block	4025
Census Tract	962000

Owner

406 E 2nd St is owned by two individuals who bought it in August 2016.

Source: Ford County records, as of October 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	406 E 2ND ST, E, GIBSON CITY, IL 60936-1806
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
Sep 25, 2025	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Nov 2, 2023	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2016 · Amount on File
Deed Sale	Aug 1, 2016 · Amount on File
Deed Document Number	2016264675
Prior Transfer Date	Jul 30, 2010
Prior Transfer Doc	249030
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORD IL
Property Address	406 E 2ND ST, GIBSON CITY, IL 60936-1806
Transaction Type	Mortgage
Record Updated	Oct 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000286654
Date	Sep 25, 2025
Instrument	286654

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORD IL
Property Address	406 E 2ND ST, GIBSON CITY, IL 60936-1806
Transaction Type	Mortgage
Record Updated	Dec 22, 2023
Title Company	NOT AVAILABLE, AMERICAS SETTLEMENT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 E 2ND ST, GIBSON CITY, IL 60936-1806

Mortgage

Document Number	0000282267
Date	Nov 2, 2023
Instrument	282267

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

Interest

Rate	8.37%

Tax Assessment & Valuation

The 2025 property tax bill for 406 E 2nd St was $3,163, up 3.4% from the year before.

Source: Ford County assessment roll, as of October 16, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Ford County
County Subdivision	Drummer Township
Municipality	Gibson City
Unified School District	Gibson City-Melvin-Sibley Community Unit School District 5 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,163.00 (+3.4%)	$46,590 (+12.1%) Land $5,190 Building $41,400	$139,770 (+12.1%) Land $15,570 Building $124,200
2024	$3,059.00	$41,560 Land $4,630 Building $36,930	$124,680 Land $13,890 Building $110,790
2022	$2,793.00	$34,490 Land $3,840 Building $30,650	$103,470 Land $11,520 Building $91,950

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 406 E 2nd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 22, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 406 E 2nd St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% 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	GIBSON CITY serves 3,500 people · EPA ID IL0530100
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 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	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 176 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Mediacom Xtream Cable	1,000 / 50
Nextlink Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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