51 Circle Dr E, Montgomery, IL 60538 Property Records

Kendall County property record for 51 Circle Dr E, Montgomery, IL 60538

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 983 sqft · built 1960
Lot Size	0.223 acres (9,707 sqft)
Owner	Individual Name on File
Last Sale	$159,000 (Mar 2020)
Tax Bill	$6,664 (2024)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-04-306-001`

Property Details

APN / Parcel Number

Primary APN	`03-04-306-001`
Alternative APN	`1004306001`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	983 sqft Living Area
Gross Area	1,823 sqft
1st Floor Area	983 sqft
Basement Area	552 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Tri-Level
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,707 sqft (0.223 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	51 CIRCLE DR E
City	MONTGOMERY
State	IL
Zip	60538-2342
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 55 BOULDER HILL SUB. UNIT 5 SECS 4 & 5-37-8
Legal Range	08E
Legal Township	37N
Legal Section	04
Legal Subdivision	BOULDER HILL SUB
Legal Lot Number	55
Jurisdiction	KENDALL IL
Township / Civil Division	OSWEGO
Census Block Group	3
Census Block	3008
Census Tract	890202

Owner

Source: Kendall County records · APN 03-04-306-001

Assessment roll updated May 27, 2026 · Last verified June 2026

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

Owner of Record	Individual Name on File
Mailing Address	16 BOAT LN, OSWEGO, IL 60543-9261
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 20, 2020 · Amount on Record
Deed Sale	Mar 20, 2020 · Amount on Record
Deed Document Number	20204432
Record Updated	Sep 20, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Mar 20, 2020
Property Address	51 CIRCLE DR E, MONTGOMERY, IL 60538-2342
Document Number	0000004432
Instrument	202000004432
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	FIDELITY NATIONAL TITLE INS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$159.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	765 DUNCAN DR, 765, AURORA, IL 60506-1939

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 BOAT LN, OSWEGO, IL 60543-9261

Mortgage

Document Number	0000004433
Date	Mar 20, 2020
Instrument	202000004433

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2050

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

Source: Kendall County records · Assessment roll updated May 27, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kendall County
County Subdivision	Oswego Township
Unified School District	Oswego Community Unit School District 308 (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$90,090 (+7%) Land $24,017 Building $66,073	$270,270 (+7%) Land $72,051 Building $198,219
2024	$6,664.00	$84,196 (+20.99%) Land $22,446 Building $61,750	$252,588 (+20.99%) Land $67,338 Building $185,250
2022		$69,590 Land $18,552 Building $51,038	$208,770 Land $55,656 Building $153,114

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 18, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Benton Ridge Telephone Company, Verizon.

Based on FCC filings for 522 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MONTGOMERY serves 28,956 people
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.