421 N Thomas St, Gilman, IL 60938 Property Records

Iroquois County property record for 421 N Thomas St, Gilman, IL 60938

Property Summary

Property Type	Single Family Home
Lot Size	0.349 acres (15,215 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,116 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17 31 332 003`

Property Details

APN / Parcel Number

Primary APN	`17 31 332 003`

Exterior

Lot Area	15,215 sqft (0.349 acres)

Location & Zoning

Street Address	421 N THOMAS ST
City	GILMAN
State	IL
Zip	60938-1358
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LTS 3 & 4 BLK 37 CITY OF GILMAN
Legal Subdivision	ORIGINAL TOWN NOW THE CITY OF GILMAN
Legal Block	37
Legal Lot Number	3,4
Jurisdiction	IROQUOIS IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1070
Census Tract	950600

Owner

421 N Thomas St, a single family home, is owned by two individuals.

Source: Iroquois County records, as of July 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	177 W WOOD ST, PARIS, IL 61944-1737
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 29, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Sep 21, 2021	Warranty Deed, Transfer · Conventional Mortgage PROSPECT BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Recording Date	Sep 29, 2026
Property Address	421 N THOMAS ST, GILMAN, IL 60938-1358
Document Number	0000003403
Instrument Date	Sep 24, 2026
Instrument	20263403
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	421 N THOMAS ST, GILMAN, IL 60938-1358

Mortgage

Document Number	0000003403,
Date	Sep 29, 2026
Instrument	20263403

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate	6.99%
Max Rate	-1%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	IROQUOIS IL
Recording Date	Sep 21, 2021
Property Address	421 N THOMAS ST, GILMAN, IL 60938-1358
Document Number	21R3850
Instrument Date	Sep 21, 2021
Instrument	21R3850
Transaction Type	Transfer
Record Updated	Oct 5, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1627 N 1100 EAST RD, 1627, GILMAN, IL 60938-6117

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	421 N THOMAS ST, GILMAN, IL 60938-1358

Mortgage

Document Number	21R3851
Date	Sep 21, 2021
Instrument	21R3851

Lender

Name	PROSPECT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 421 N Thomas St was $4,116.

Source: Iroquois County assessment roll, as of July 17, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Iroquois County
County Subdivision	Douglas Township
Municipality	Gilman City
Unified School District	Iroquois West Community Unit School District 10 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,116.00	$52,910 Land $7,740 Building $45,170	$158,730 Land $23,220 Building $135,510
2022	$3,704.00	$46,720 Land $6,830 Building $39,890	$140,160 Land $20,490 Building $119,670

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 421 N Thomas St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2008 · Severe Storms 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

Wildfire risk around 421 N Thomas 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	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	GILMAN serves 1,793 people · EPA ID IL0750450
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	3 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	4 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 303 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Nextlink, Verizon, Watch TV.

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