409 Clay St, Joliet, IL 60432 Property Records

Will County property record for 409 Clay St, Joliet, IL 60432

Property Summary

Property Type	Single Family Home
Details	1 ba · 996 sqft · built 1900
Lot Size	0.15 acres (6,697 sqft)
Owner	Individual Name on File
Last Sale	$35,400 (Jun 2013)
Tax Bill	$2,978 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Oct 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`30-07-10-228-019`

Property Details

APN / Parcel Number

Primary APN	`30-07-10-228-019`
Alternative APN	`07102280190000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	996 sqft
Basement Area	996 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	6,697 sqft (0.15 acres)
Lot Dimensions	132 ft deep x 50 ft wide
Garage Area	378 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Shed	1 Shed

Location & Zoning

Street Address	409 CLAY ST
City	JOLIET
State	IL
Zip	60432-2428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 IN ROBERT N BROWN'S SUB, IN BLK 11, IN DURHAM ENGLISH'S ADDN TO JOLIET OF OUTLOTS 3 4, IN CASSEDAY'S ADDN TO JOLIET
Legal Range	10E
Legal Township	35N
Legal Section	10
Legal Subdivision	ROBERT N BROWNS
Legal Block	11
Legal Lot Number	16
Jurisdiction	WILL IL
Township / Civil Division	JOLIET
Census Block Group	1
Census Block	1045
Census Tract	881302

Owner

409 Clay St is owned and occupied by an individual who bought it in June 2013.

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

Owner of Record	Individual Name on File
Mailing Address	409 CLAY ST, JOLIET, IL 60432-2428
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
Mar 7, 2023	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Oct 12, 2018	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2013 · Amount on File
Deed Sale	Jun 11, 2013 · Amount on File
Prior Sale	Apr 5, 2013
Deed Document Number	201367504
Prior Transfer Date	Jan 29, 1999
Prior Transfer Doc	0000025403
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	409 CLAY ST, JOLIET, IL 60432-2428
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 CLAY ST, JOLIET, IL 60432-2428

Mortgage

Document Number	0000010569
Date	Mar 7, 2023
Instrument	R2023010569

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 3, 2053

Interest

Rate Type	Adjustable Rate
Rate	10.9%
Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	409 CLAY ST, JOLIET, IL 60432-2428
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000072226
Date	Oct 12, 2018
Instrument	R2018072226

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 2, 2038

Interest

Rate	5.28%

Tax Assessment & Valuation

The 2025 property tax bill for 409 Clay St was $2,978.

Source: Will County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Will County
County Subdivision	Joliet Township
Municipality	Joliet City
Elementary School District	Joliet Public School District 86 (PK - 08)
Secondary School District	Joliet Township High School District 204 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,978.00	$45,083 (+9.3%) Land $11,963 Building $33,120	$135,249 (+9.3%) Land $35,889 Building $99,360
2024		$41,247 Land $10,945 Building $30,302	$123,741 Land $32,835 Building $90,906
2022	$2,507.00 Homeowner's exemption	$33,151 Land $8,797 Building $24,354	$99,453 Land $26,391 Building $73,062

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 409 Clay St in Zone X, an area of minimal flood risk, though there have been 36 flood claims nearby since 1981.

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 File median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	36 (1981–2020)
Claims Outside the SFHA	4 of 36
Most Recent Claim	May 2020 · other causes
Claims by Event	Severe Storms And Flooding, Jul 1996 · 22 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

The area around 409 Clay St 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 597 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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