425 E 5th St, Gibson City, IL 60936 Property Records

Ford County property record for 425 E 5th St, Gibson City, IL 60936

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1959
Lot Size	0.275 acres (12,000 sqft)
Owner	2 Individual Names on File
Last Sale	$137,000 (Jun 2021)
Tax Bill	$3,816 (2025)
Deeds & Mortgages	Dec 2010 Mortgage Nov 2005 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-11-11-435-009`

Property Details

APN / Parcel Number

Primary APN	`09-11-11-435-009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	75 ft deep x 160 ft wide
Garage Type	Detached
Garage Area	576 sqft

Location & Zoning

Street Address	425 E 5TH ST
City	GIBSON CITY
State	IL
Zip	60936-1615
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 & N 1/2 LOT 2 BLK 14 LAND CO ADD 160 X 75
Legal Range	07E
Legal Township	23N
Legal Section	11
Legal Subdivision	LAND CO ADD
Legal Block	14
Legal Lot Number	1,2
Jurisdiction	FORD IL
Township / Civil Division	DRUMMER
Census Block Group	4
Census Block	4017
Census Tract	962000

Owner

425 E 5th St is owned and occupied by two individuals who bought it in June 2021.

Source: Ford County records, as of October 16, 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	2 Individual Names on File
Mailing Address	425 E 5TH ST, GIBSON CITY, IL 60936-1615
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2010	Deed of Trust, Mortgage PRAIRIE STATE BANK & TRUST
Nov 9, 2005	Deed of Trust, Mortgage U.S. BANK, N.A.
Jun 11, 2021	Warranty Deed, Transfer
Mar 11, 2016	Warranty Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2021 · Amount on File
Deed Sale	Jun 11, 2021 · Amount on File
Prior Sale	Mar 11, 2016 · Amount on File
Deed Document Number	2021276651
Prior Transfer Date	Aug 25, 2005
Prior Transfer Doc	233706
Record Updated	Oct 29, 2026

December 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORD IL
Property Address	425 E 5TH ST, GIBSON CITY, IL 60936-1615
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000250138
Date	Dec 7, 2010
Instrument	250138

Lender

Name	PRAIRIE STATE BANK & TRUST
Address	139 N WILLIAMSBURG DR, BLOOMINGTON, IL 61704

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2040

November 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FORD IL
Property Address	425 E 5TH ST, GIBSON CITY, IL 60936-1615
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000234355
Date	Nov 9, 2005
Instrument	234355

Lender

Name	U.S. BANK, N.A.
Type	Bank
Address	4801 FREDERICA ST, OWENSBORO, KY 42301

Agreement

Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2020

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORD IL
Recording Date	Jun 11, 2021
Property Address	425 E 5TH ST, GIBSON CITY, IL 60936-1615
Document Number	276651
Instrument Date	May 28, 2021
Instrument	276651
Transaction Type	Transfer
Record Updated	Jul 28, 2021

Transaction

Amount	Amount on Record
Tax	$205.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 E 5TH ST, GIBSON CITY, IL 60936-1615

March 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FORD IL
Recording Date	Mar 11, 2016
Property Address	425 E 5TH ST, GIBSON CITY, IL 60936-1615
Document Number	0000263697
Instrument Date	Mar 11, 2016
Instrument	263697
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$157.50
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	425 E 5TH ST, GIBSON CITY, IL 60936-1615

Mortgage

Document Number	0000263698
Date	Mar 11, 2016
Instrument	263698

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 425 E 5th St was $3,816 with a homeowner's exemption, up 22.5% 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	$3,816.00 (+22.5%) Homeowner's exemption	$54,960 (+12.12%) Land $7,400 Building $47,560	$164,880 (+12.12%) Land $22,200 Building $142,680
2024	$3,115.00 Homeowner's exemption	$49,020 Land $6,600 Building $42,420	$147,060 Land $19,800 Building $127,260
2022	$2,819.00	$40,690 Land $5,480 Building $35,210	$122,070 Land $16,440 Building $105,630

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 425 E 5th 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

The area around 425 E 5th 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	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 425 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Nextlink.

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