645 Deborah St, Gilberts, IL 60136 Property Records

Kane County property record for 645 Deborah St, Gilberts, IL 60136

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,761 sqft · built 1992
Lot Size	0.898 acres (39,116 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Apr 2013)
Tax Bill	$9,223 (2025)
Deeds & Mortgages	Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-30-105-001`

Property Details

APN / Parcel Number

Primary APN	`03-30-105-001`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,761 sqft Living Area
Gross Area	4,127 sqft
1st Floor Area	1,761 sqft
Basement Area	1,761 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Contemporary
Lot Area	39,116 sqft (0.898 acres)
Garage Type	Attached
Garage Area	605 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	645 DEBORAH ST
City	GILBERTS
State	IL
Zip	60136-9656
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT DIMENSIONS 270.37X120X336.57X67.3X44.5 SUBDIVISION: DUNHILL RANGE CODE: 8 E TWSHP 42N
Legal Subdivision	DUNHILL
Legal Block	2
Legal Lot Number	37
Jurisdiction	KANE IL
Township / Civil Division	DUNDEE
Census Block Group	2
Census Block	2038
Census Tract	850600

Owner

645 Deborah St is owned and occupied by two individuals who acquired it in April 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	645 DEBORAH ST, GILBERTS, IL 60136-9656
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2013 · Amount on File
Deed Sale	Apr 24, 2013 · Amount on File
Prior Sale	Jun 9, 2000 · Amount on File
Deed Document Number	201330168
Last Transfer Date	Apr 25, 2015
Transfer Doc	0000023924
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	645 DEBORAH ST, GILBERTS, IL 60136-9656
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010214
Date	Feb 24, 2017
Instrument	2017K010214

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Lending Institution
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 645 Deborah St was $9,223 with a homeowner's exemption.

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	$9,223.00 Homeowner's exemption	$140,843 (+9.42%) Land $36,077 Building $104,766	$422,698 (+9.42%) Land $108,274 Building $314,424
2024		$128,718 Land $32,971 Building $95,747	$386,309 Land $98,953 Building $287,356
2022	$7,074.00 (+3.21%) Homeowner's exemption	$94,421 (+5.91%) Land $29,666 Building $64,755	$283,263 (+5.91%) Land $88,998 Building $194,265
2021	$6,854.00 Homeowner's exemption	$89,153 Land $28,011 Building $61,142	$267,459 Land $84,033 Building $183,426

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 645 Deborah St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2013.

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

Wildfire risk around 645 Deborah 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 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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