725 Spruce Rd, Frankfort, IL 60423 Property Records

Will County property record for 725 Spruce Rd, Frankfort, IL 60423

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,320 sqft · built 1972
Lot Size	0.34 acres (14,670 sqft)
Owner	Individual Name on File
Last Sale	$335,000 (Nov 2022)
Tax Bill	$10,967 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-09-21-120-004`

Property Details

APN / Parcel Number

Primary APN	`19-09-21-120-004`
Alternative APN	`09211200040000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	2,320 sqft Living Area
Basement Area	610 sqft
Unfinished Basement	610 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Tri-Level
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,670 sqft (0.34 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	725 SPRUCE RD
City	FRANKFORT
State	IL
Zip	60423-1039
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BLOCK 2 IN COLORADO HILLS SUB, IN THE W1/2 OF THE NW1/4 OF SEC. 21, T35N-R12E
Legal Range	12E
Legal Township	35N
Legal Section	21
Legal Subdivision	COLORADO HILLS
Legal Block	2
Legal Lot Number	11
Jurisdiction	WILL IL
Township / Civil Division	FRANKFORT
Census Block Group	2
Census Block	2009
Census Tract	883515

Owner

725 Spruce Rd is owned and occupied by an individual who bought it in November 2022.

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

Owner of Record	Individual Name on File
Mailing Address	725 SPRUCE RD, FRANKFORT, IL 60423-1039
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	Name on Deed
Last Sale	Nov 9, 2022 · Amount on File
Deed Sale	Nov 9, 2022 · Amount on File
Prior Sale	Nov 18, 2015 · Amount on File
Deed Document Number	202280667
Prior Transfer Date	Nov 5, 2015
Prior Transfer Doc	0000099825
Record Updated	Oct 29, 2026

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WILL IL
Recording Date	Nov 9, 2022
Property Address	725 SPRUCE RD, FRANKFORT, IL 60423-1039
Document Number	0000080667
Map Reference	DOC R72-7131
Instrument Date	Nov 4, 2022
Instrument	R2022080667
Transaction Type	Transfer
Record Updated	Aug 21, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	725 SPRUCE RD, FRANKFORT, IL 60423-1039

Mortgage

Document Number	0000080668
Date	Nov 9, 2022
Instrument	R2022080668

Lender

Name	KEY MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Fixed Rate
Rate	7.12%

Tax Assessment & Valuation

The 2025 property tax bill for 725 Spruce Rd was $10,967.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Will County
County Subdivision	Frankfort Township
Municipality	Frankfort Village
Elementary School District	Frankfort Community Consolidated School District 157C (PK - 08)
Secondary School District	Lincoln Way Community High School District 210 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,967.00	$149,901 (+6.6%) Land $25,611 Building $124,290	$449,703 (+6.6%) Land $76,833 Building $372,870
2024		$140,620 Land $24,025 Building $116,595	$421,860 Land $72,075 Building $349,785
2022	$9,198.00 Homeowner's exemption	$114,390 Land $19,544 Building $94,846	$343,170 Land $58,632 Building $284,538

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 725 Spruce Rd 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 June 11, 2026 · 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	7 in force
Nearby Flood Claims	5 (1981–2016)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Feb 2016 · 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 725 Spruce Rd 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 99.8% of the US · lower than 99.8% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	FRANKFORT serves 24,000 people · EPA ID IL1970400
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	1 ppb (2023–2025) 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, 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 189 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
Bertram Communications Fixed Wireless	100 / 20
AT&T DSL	100 / 20