Grundy County property record for 705 Charles St, Morris, IL 60450
| Property Type | Single Family Home |
|---|---|
| Details | 1,890 sqft · built 1977 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on File |
| Last Sale | $320,000 (Jun 2021) |
| Tax Bill | $7,185 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Mar 2023 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-33-331-004 |
| Primary APN | 02-33-331-004 |
|---|
| Building Area | 1,890 sqft Total Area |
|---|
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Lot Area | 12,197 sqft (0.28 acres) |
| Street Address | 705 CHARLES ST |
|---|---|
| City | MORRIS |
| State | IL |
| Zip | 60450-1120 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HARMON ACRES 2ND ADD LT 11 SEC 33-34-7 |
| Legal Range | 07W |
| Legal Township | 34N |
| Legal Section | 33 |
| Legal Subdivision | HARMON ACRES SECOND ADDITION |
| Legal Lot Number | 11 |
| Jurisdiction | GRUNDY IL |
| Township / Civil Division | SARATOGA |
| Census Block Group | 4 |
| Census Block | 4018 |
| Census Tract | 200 |
705 Charles St is owned and occupied by an individual who bought it in June 2021.
Source: Grundy County records, as of August 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 705 CHARLES ST, MORRIS, IL 60450-1120 |
| 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.
| Date | Document |
|---|---|
| Apr 11, 2024 | Deed of Trust, Mortgage HUD |
| Mar 2, 2023 | Deed of Trust, Mortgage HUD |
| Jun 17, 2021 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC |
| Feb 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN NATIONAL BANK |
| Jun 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN NATIONAL BANK |
| Jul 1, 2019 | Warranty Deed, Transfer · Conventional Mortgage HOMETOWN NATIONAL BANK |
| Nov 2, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Sep 26, 2018 | Trustee's Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 17, 2021 · Amount on File |
| Deed Sale | Jun 17, 2021 · Amount on File |
| Prior Sale | Jul 1, 2019 · Amount on File |
| Deed Document Number | 2021604447 |
| Prior Transfer Date | Oct 2, 2018 |
| Prior Transfer Doc | 0000581012 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRUNDY IL |
| Property Address | 705 CHARLES ST, MORRIS, IL 60450-1120 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000624857 |
|---|---|
| Date | Apr 11, 2024 |
| Instrument | 624857 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Amount | Amount on Record |
|---|---|
| Term | 324 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRUNDY IL |
| Property Address | 705 CHARLES ST, MORRIS, IL 60450-1120 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000618260 |
|---|---|
| Date | Mar 2, 2023 |
| Instrument | 618260 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Amount | Amount on Record |
|---|---|
| Term | 336 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GRUNDY IL |
| Recording Date | Jun 17, 2021 |
| Property Address | 705 CHARLES ST, MORRIS, IL 60450-1120 |
| Document Number | 0000604447 |
| Instrument Date | Apr 7, 2021 |
| Instrument | 604447 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $480.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 705 CHARLES ST, MORRIS, IL 60450-1120 |
| Document Number | 0000604448 |
|---|---|
| Date | Jun 17, 2021 |
| Instrument | 604448 |
| Name | GUARANTEED RATE INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 2.88% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRUNDY IL |
| Property Address | 705 CHARLES ST, MORRIS, IL 60450-1120 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000590768 |
|---|---|
| Date | Feb 18, 2020 |
| Instrument | 590768 |
| Name | HOMETOWN NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GRUNDY IL |
| Property Address | 705 CHARLES ST, MORRIS, IL 60450-1120 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000593082 |
|---|---|
| Date | Jun 8, 2020 |
| Instrument | 593082 |
| Name | HOMETOWN NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GRUNDY IL |
| Recording Date | Jul 1, 2019 |
| Property Address | 705 CHARLES ST, MORRIS, IL 60450-1120 |
| Document Number | 0000585490 |
| Instrument Date | Jun 18, 2019 |
| Instrument | 585490 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $456.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2N525 COLT DR, 2N525, ELBURN, IL 60119-9580 |
| Name | Verified Name |
|---|---|
| Address | 705 CHARLES ST, MORRIS, IL 60450-1120 |
| Document Number | 0000585491 |
|---|---|
| Date | Jul 1, 2019 |
| Instrument | 585491 |
| Name | HOMETOWN NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GRUNDY IL |
| Recording Date | Nov 2, 2018 |
| Property Address | 705 CHARLES ST, MORRIS, IL 60450-1120 |
| Document Number | 0000581012 |
| Instrument Date | Oct 10, 2018 |
| Instrument | 581012 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $146.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2N525 COLT DR ELBURN IL 601199580, ELBURN, IL 60119-9580 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | GRUNDY IL |
| Recording Date | Sep 26, 2018 |
| Property Address | 705 CHARLES ST, MORRIS, IL 60450-1120 |
| Document Number | 0000580142 |
| Instrument Date | Sep 14, 2018 |
| Instrument | 580142 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4425 PONCE DE LEON BLVD #5TH CORAL GABLES FL 331461837, 5TH, CORAL GABLES, FL 33146-1837 |
The 2025 property tax bill for 705 Charles St was $7,185 with a homeowner's exemption.
Source: Grundy County assessment roll, as of June 30, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Grundy County |
| County Subdivision | Saratoga Township |
| Municipality | Morris City |
| Secondary School District | Morris Community High School District 101 (09 - 12) |
| Elementary School District | Saratoga Community Consolidated School District 60C (PK - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,185.00 | $99,013 Land $18,970 Building $80,043 | $297,039 Land $56,910 Building $240,129 |
| 2022 | $5,502.00 Homeowner's exemption | $81,824 Land $15,677 Building $66,147 | $245,472 Land $47,031 Building $198,441 |
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.
FEMA maps place 705 Charles St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 30, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 2 (2008–2009) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2009 · rainfall accumulation |
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.
The area around 705 Charles St 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MORRIS serves 14,775 people · EPA ID IL0630600 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 278 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 |
| Watch TV Fixed Wireless | 100 / 20 |
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