435 Towne St, Gilberts, IL 60136 Property Records

Kane County property record for 435 Towne St, Gilberts, IL 60136

Property Summary

Property Type	Single Family Home
Details	3 bd · 2,036 sqft · built 1992
Lot Size	0.657 acres (28,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$346,000 (Oct 2020)
Tax Bill	$8,329 (2025)
Deeds & Mortgages	Aug 2020 Line of Credit Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-30-104-009`

Property Details

APN / Parcel Number

Primary APN	`03-30-104-009`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,036 sqft Living Area
Gross Area	3,865 sqft
1st Floor Area	1,298 sqft
Basement Area	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Lot Area	28,632 sqft (0.657 acres)
Garage Type	Attached
Garage Area	821 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	435 TOWNE ST
City	GILBERTS
State	IL
Zip	60136-9750
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT DIMENSIONS 110X247.92X135.38X245.31 SUBDIVISION: DUNHILL RANGE CODE: 8 E TWSHP 42N
Legal Subdivision	DUNHILL
Legal Block	2
Legal Lot Number	34
Jurisdiction	KANE IL
Township / Civil Division	DUNDEE
Census Block Group	2
Census Block	2038
Census Tract	850600

Owner

Source: Kane County records, as of July 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	435 TOWNE ST, GILBERTS, IL 60136-9750
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2020	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Oct 19, 2020	Warranty Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2020 · Amount on Record
Deed Sale	Oct 19, 2020 · Amount on Record
Deed Document Number	202062297
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	435 TOWNE ST, GILBERTS, IL 60136-9750
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044133
Date	Aug 7, 2020
Instrument	2020K044133

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 6, 2050

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 19, 2020
Property Address	435 TOWNE ST, GILBERTS, IL 60136-9750
Document Number	0000062297
Map Reference	DOC 1411833
Instrument Date	Sep 24, 2020
Instrument	2020K062297
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$346.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	435 TOWNE ST, GILBERTS, IL 60136-9750

Mortgage

Document Number	0000062298
Date	Oct 19, 2020
Instrument	2020K062298

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Dundee Township
Municipality	Gilberts Village
Unified School District	Community Unit School District 300 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,329.00 (+4.31%) Homeowner's exemption	$135,966 (+9.42%) Land $35,241 Building $100,725	$408,061 (+9.42%) Land $105,765 Building $302,296
2024		$124,261 (+17.44%) Land $32,207 Building $92,054	$372,932 (+17.49%) Land $96,660 Building $276,273
2022	$7,985.00 (+3.17%) Homeowner's exemption	$105,805 (+5.91%) Land $28,979 Building $76,826	$317,415 (+5.91%) Land $86,937 Building $230,478
2021	$7,740.00 Homeowner's exemption	$99,901 Land $27,362 Building $72,539	$299,703 Land $82,086 Building $217,617

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

Source: FEMA National Flood Hazard Layer, effective October 8, 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
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2013–2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2017 · other causes

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 70% 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	GILBERTS serves 8,366 people · EPA ID IL0890400
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Xfinity.

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