413 Water St, Momence, IL 60954 Property Records

Kankakee County property record for 413 Water St, Momence, IL 60954

Property Summary

Property Type	Single Family Home
Lot Size	0.186 acres (8,125 sqft)
Owner	Individual Name on File
Last Sale	$187,000 (May 2023)
Tax Bill	$4,505 (2025)
Deeds & Mortgages	Sep 2008 Mortgage Jan 2006 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`06-10-24-218-003`

Property Details

APN / Parcel Number

Primary APN	`06-10-24-218-003`

Exterior

Lot Area	8,125 sqft (0.186 acres)

Location & Zoning

Street Address	413 WATER ST
City	MOMENCE
State	IL
Zip	60954-1429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY OF MOMENCE WH EH EX E 45' BLK 78 24-31-13E
Legal Block	78
Jurisdiction	KANKAKEE IL
Township / Civil Division	GANEER
Census Block Group	4
Census Block	4017
Census Tract	10800

Owner

413 Water St is owned and occupied by an individual who bought it in May 2023.

Source: Kankakee County records, as of August 18, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	413 WATER ST, MOMENCE, IL 60954-1429
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2008	Deed of Trust, Mortgage · Stand-Alone First Mortgage MUNICIPAL TRUST & SAVINGS BANK
Jan 30, 2006	Deed of Trust, Mortgage · Stand-Alone First Mortgage MUNICIPAL TRUST & SAVINGS BANK
Sep 25, 2006	Deed of Trust, Mortgage · Stand-Alone First Mortgage MUNICIPAL TRUST & SAVINGS BANK
May 11, 2023	Warranty Deed, Transfer BURNETT TITLE, BURNET TITLE
Jun 18, 2009	Trustee's Deed, Foreclosure · Conventional Mortgage WORLD ALLIANCE FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2023 · Amount on File
Deed Sale	May 11, 2023 · Amount on File
Deed Document Number	20234261
Record Updated	Sep 20, 2026

September 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANKAKEE IL
Property Address	413 WATER ST, MOMENCE, IL 60954-1429
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200819138
Date	Sep 10, 2008
Instrument	200819138

Lender

Name	MUNICIPAL TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 9, 2023

Interest

Rate Type	Adjustable Rate
Rate	6.41%

January 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANKAKEE IL
Property Address	413 WATER ST, MOMENCE, IL 60954-1429
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200602473
Date	Jan 30, 2006
Instrument	200602473

Lender

Name	MUNICIPAL TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.22%

September 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANKAKEE IL
Property Address	413 WATER ST, MOMENCE, IL 60954-1429
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200624310
Date	Sep 25, 2006
Instrument	200624310

Lender

Name	MUNICIPAL TRUST & SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 24, 2021

Interest

Rate Type	Adjustable Rate
Rate	6.77%

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANKAKEE IL
Recording Date	May 11, 2023
Property Address	413 WATER ST, MOMENCE, IL 60954-1429
Document Number	0202304261
Instrument Date	May 3, 2023
Instrument	202304261
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount on Record
Tax	$280.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 WATER ST, MOMENCE, IL 60954-1429

June 2009: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KANKAKEE IL
Recording Date	Jun 18, 2009
Property Address	413 WATER ST, MOMENCE, IL 60954-1429
Document Number	0200913109
Instrument Date	May 24, 2009
Instrument	200913109
Transaction Type	Foreclosure
Record Updated	Apr 2, 2026

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 WATER ST, MOMENCE, IL 60954-1429

Mortgage

Document Number	0200913110
Date	Jun 18, 2009
Instrument	200913110

Lender

Name	WORLD ALLIANCE FINANCIAL CORP

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 413 Water St was $4,505 with a homeowner's exemption, up 3.4% from the year before.

Source: Kankakee County assessment roll, as of April 7, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kankakee County
County Subdivision	Ganeer Township
Municipality	Momence City
Unified School District	Momence Community Unit School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,505.00 (+3.37%)	$67,826 Land $7,000 Building $60,826	$203,478 Land $21,000 Building $182,478
2024	$4,358.00
2023		$52,094 Land $7,000 Building $45,094	$156,282 Land $21,000 Building $135,282
2022	$2,541.00

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 413 Water St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective February 14, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	8 (1979–2004)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Jun 2004 · rainfall accumulation

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

Wildfire risk around 413 Water 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	MOMENCE serves 3,075 people · EPA ID IL0910650
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	3 ppb (2026) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 309 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surf Internet Fiber	8,000 / 8,000
Mediacom Xtream Cable	1,000 / 50
Bertram Communications Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Water St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures