Iroquois County property record for 428 N Commerce St, Gilman, IL 60938
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.296 acres (12,900 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,613 (2025) |
| Deeds & Mortgages | Feb 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17 31 307 005 |
| Primary APN | 17 31 307 005 |
|---|
| Lot Area | 12,900 sqft (0.296 acres) |
|---|
| Street Address | 428 N COMMERCE ST |
|---|---|
| City | GILMAN |
| State | IL |
| Zip | 60938-1245 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LTS 15 & 16 BLK 32 CITY OF GILMAN |
| Legal Block | 32 |
| Legal Lot Number | 15,16 |
| Jurisdiction | IROQUOIS IL |
| Township / Civil Division | DOUGLAS |
| Census Block Group | 1 |
| Census Block | 1059 |
| Census Tract | 950600 |
428 N Commerce St, a single family home, is owned by an individual.
Source: Iroquois County records, as of July 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 5, GILMAN, IL 60938-0005 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | IROQUOIS IL |
| Property Address | 428 N COMMERCE ST, GILMAN, IL 60938-1245 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 18R0543 |
|---|---|
| Date | Feb 26, 2018 |
| Instrument | 18R0543 |
| Name | HOMESTAR BANK |
|---|---|
| Type | Bank |
| Address | MANTENO, IL 60950 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 15, 2028 |
The 2025 property tax bill for 428 N Commerce St was $1,613.
Source: Iroquois County assessment roll, as of July 17, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,613.00 | $20,650 Land $6,050 Building $14,600 | $61,950 Land $18,150 Building $43,800 |
| 2022 | $1,452.00 | $18,240 Land $5,350 Building $12,890 | $54,720 Land $16,050 Building $38,670 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 428 N Commerce St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.
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 |
|---|---|
| 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 risk around 428 N Commerce 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 146 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 |
| Watch TV Fixed Wireless | 100 / 20 |
May also be available: Nextlink, Verizon.
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