656 Garnsey Ave, Joliet, IL 60432 Property Records

Will County property record for 656 Garnsey Ave, Joliet, IL 60432

Property Summary

Property Type	Single Family Home
Details	878 sqft · built 1900
Lot Size	0.15 acres (6,632 sqft)
Owner	2 Individual Names on File
Last Sale	$145,000 (Jul 2022)
Tax Bill	$3,522 (2025)
Deeds & Mortgages	Mar 2024 Transfer Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`30-07-10-208-015`

Property Details

APN / Parcel Number

Primary APN	`30-07-10-208-015`
Alternative APN	`07102080150000`

Interior

Stories	2 Stories
Building Area	878 sqft
Gross Area	1,570 sqft
Basement Area	692 sqft
Unfinished Basement	186 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	6,632 sqft (0.15 acres)
Lot Dimensions	128 ft deep x 50 ft wide
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Slab

Location & Zoning

Street Address	656 GARNSEY AVE
City	JOLIET
State	IL
Zip	60432-1974
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 BLOCK 2 IN GARNSEY KNOX'S SUB, OF PRT OF THE E1/2 OF THE NE1/4 OF SEC 10, T35N-R10E.
Legal Range	10E
Legal Township	35N
Legal Section	10
Legal Subdivision	GARNSEY & KNOX
Legal Block	2
Legal Lot Number	10
Jurisdiction	WILL IL
Township / Civil Division	JOLIET
Census Block Group	2
Census Block	2023
Census Tract	881301

Owner

656 Garnsey Ave is owned and occupied by two individuals who acquired it in March 2024.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	656 GARNSEY AVE, JOLIET, IL 60432-1974
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2024	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jul 22, 2022	Warranty Deed, Transfer · Conventional Mortgage OLD NATIONAL BANK
May 30, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2022 · Amount on File
Deed Sale	Jul 22, 2022 · Amount on File
Prior Sale	Jun 15, 2004 · Amount on File
Deed Document Number	202256178
Last Transfer Date	Mar 14, 2024
Transfer Doc	0000013492
Record Updated	Oct 29, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WILL IL
Recording Date	Mar 21, 2024
Property Address	656 GARNSEY AVE, JOLIET, IL 60432-1974
Document Number	0000013492
Map Reference	DOC 148996
Instrument Date	Mar 14, 2024
Instrument	R2024013492
Transaction Type	Transfer
Record Updated	Apr 2, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 GARNSEY AVE, JOLIET, IL 60432-1974

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILL IL
Recording Date	Jul 22, 2022
Property Address	656 GARNSEY AVE, JOLIET, IL 60432-1974
Document Number	0000056178
Map Reference	MB 6 PG 3 DOC 148996
Instrument Date	Jul 16, 2022
Instrument	R2022056178
Transaction Type	Transfer
Record Updated	Aug 2, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$145.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 GARNSEY AVE, JOLIET, IL 60432-1974

Mortgage

Document Number	0000056179
Date	Jul 22, 2022
Instrument	R2022056179

Lender

Name	OLD NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2037

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WILL IL
Recording Date	May 30, 2019
Property Address	656 GARNSEY AVE, JOLIET, IL 60432-1974
Document Number	0000032588
Instrument Date	May 21, 2019
Instrument	32588
Transaction Type	Transfer
Record Updated	Jun 13, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 GARNSEY AVE JOLIET IL 604321974, JOLIET, IL 60432-1974

Tax Assessment & Valuation

The 2025 property tax bill for 656 Garnsey Ave was $3,522.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Will County
County Subdivision	Joliet Township
Municipality	Joliet City
Elementary School District	Joliet Public School District 86 (PK - 08)
Secondary School District	Joliet Township High School District 204 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,522.00	$51,865 (+9.3%) Land $9,123 Building $42,742	$155,595 (+9.3%) Land $27,369 Building $128,226
2024		$47,452 Land $8,347 Building $39,105	$142,356 Land $25,041 Building $117,315
2022	$2,967.00 Homeowner's exemption	$38,137 Land $6,708 Building $31,429	$114,411 Land $20,124 Building $94,287

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 656 Garnsey Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 11, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 43 policies
Nearby Flood Policies	43 in force
Nearby Flood Claims	63 (1981–2025)
Claims Outside the SFHA	5 of 63
Most Recent Claim	Aug 2025 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Aug 2007 · 36 claims

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 656 Garnsey Ave 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 591 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Bertram Communications.

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