6412 Vail Ridge Dr, Plainfield, IL 60586 Property Records

Will County property record for 6412 Vail Ridge Dr, Plainfield, IL 60586

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,364 sqft · built 2003
Lot Size	0.17 acres (7,613 sqft)
Owner	2 Individual Names on File
Last Sale	$244,000 (Sep 2017)
Tax Bill	$7,458 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jan 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-03-31-405-003`

Property Details

APN / Parcel Number

Primary APN	`06-03-31-405-003`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,364 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Roof Material	Shingle
Lot Area	7,613 sqft (0.17 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	6412 VAIL RIDGE DR
City	PLAINFIELD
State	IL
Zip	60586-2603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 980 IN CATON RIDGE WEST SUB UNIT 1, BEING A SUB OF THAT PRT OF SEC 31, T36N-R9E.
Legal Range	09E
Legal Township	36N
Legal Section	31
Legal Subdivision	CATON RIDGE WEST UNIT 1
Legal Lot Number	980
Legal Unit	1
Jurisdiction	WILL IL
Township / Civil Division	PLAINFIELD
Census Block Group	2
Census Block	2006
Census Tract	880432

Owner

6412 Vail Ridge Dr is owned and occupied by two individuals who acquired it in October 2017.

Source: Will County records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6412 VAIL RIDGE DR, PLAINFIELD, IL 60586-2603
Occupancy	Owner Occupied
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 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jan 11, 2017	Deed of Trust, Mortgage · FHA Mortgage POLARIS HOME FUNDING CORP
Oct 24, 2017	Quit Claim Deed, Transfer Quitclaim
Sep 26, 2017	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 10, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2017 · Amount on File
Deed Sale	Sep 26, 2017 · Amount on File
Prior Sale	Mar 10, 2017 · Amount on File
Deed Document Number	201775621
Last Transfer Date	Oct 2, 2017
Transfer Doc	0000083684
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	6412 VAIL RIDGE DR, PLAINFIELD, IL 60586-2603
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000100227
Date	Sep 10, 2021
Instrument	R2021100227

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	176 Months
Due	May 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.37%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	6412 VAIL RIDGE DR, PLAINFIELD, IL 60586-2603
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003288
Date	Jan 11, 2017
Instrument	R2017003288

Lender

Name	POLARIS HOME FUNDING CORP
Type	Lending Institution
Address	GRANDVILLE, MI 49418

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	268 Months
Due	May 1, 2039

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WILL IL
Recording Date	Oct 24, 2017
Property Address	6412 VAIL RIDGE DR, PLAINFIELD, IL 60586-2603
Document Number	0000083684
Instrument Date	Oct 2, 2017
Instrument	83684
Transaction Type	Transfer
Record Updated	Nov 2, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6412 VAIL RIDGE DR PLAINFIELD IL 605862603, PLAINFIELD, IL 60586-2603

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	WILL IL
Recording Date	Sep 26, 2017
Property Address	6412 VAIL RIDGE DR, PLAINFIELD, IL 60586-2603
Document Number	0000075621
Map Reference	DOC R2003-167401
Instrument Date	Aug 25, 2017
Instrument	R2017075621
Transaction Type	Transfer
Record Updated	Nov 4, 2021
Title Company	LAKELAND TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6412 VAIL RIDGE DR, PLAINFIELD, IL 60586-2603

Mortgage

Document Number	0000075622
Date	Sep 26, 2017
Instrument	R2017075622

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2047

March 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WILL IL
Recording Date	Mar 10, 2017
Property Address	6412 VAIL RIDGE DR, PLAINFIELD, IL 60586-2603
Document Number	0000020286
Instrument Date	Mar 8, 2017
Instrument	20286
Transaction Type	Foreclosure
Record Updated	Apr 10, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$257.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	104 N BOLINGBROOK DR BOLINGBROOK IL 604402350, BOLINGBROOK, IL 60440-2350

Tax Assessment & Valuation

The 2025 property tax bill for 6412 Vail Ridge Dr was $7,458.

Source: Will County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Will County
County Subdivision	Plainfield Township
Municipality	Joliet City
Unified School District	Plainfield School District 202 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,458.00	$124,776 (+8.45%) Land $23,039 Building $101,737	$374,328 (+8.45%) Land $69,117 Building $305,211
2024		$115,054 Land $21,244 Building $93,810	$345,162 Land $63,732 Building $281,430
2022	$6,857.00 Homeowner's exemption	$93,329 Land $17,233 Building $76,096	$279,987 Land $51,699 Building $228,288

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 6412 Vail Ridge Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 11, 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	2 in force

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

The area around 6412 Vail Ridge Dr 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	JOLIET serves 160,000 people · EPA ID IL1970450
Water Source	Groundwater
Last State Inspection	Nov 2024
Lead	7 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	7 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 485 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Watch TV Fixed Wireless	400 / 40
AT&T Fixed Wireless · DSL in parts of the area	100 / 20

May also be available: Bertram Communications, Verizon.

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