74 Paddock St, Montgomery, IL 60538 Property Records

Kendall County property record for 74 Paddock St, Montgomery, IL 60538

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,300 sqft · built 1971
Lot Size	0.205 acres (8,925 sqft)
Owner	2 Individual Names on File
Last Sale	$310,000 (Apr 2026)
Tax Bill	$5,985 (2024)
Deeds & Mortgages	Dec 2025 Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-04-476-031`

Property Details

APN / Parcel Number

Primary APN	`03-04-476-031`
Alternative APN	`1004476031`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	1,300 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Construction Type	Frame
Roof Material	Asphalt
Lot Area	8,925 sqft (0.205 acres)
Lot Dimensions	125 ft deep x 74 ft wide

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	74 PADDOCK ST
City	MONTGOMERY
State	IL
Zip	60538-2413
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 32 BOULDER HILL UNIT 22 SEC. 3 &4-37-8
Legal Range	08E
Legal Township	37N
Legal Section	03
Legal Subdivision	BOULDER HILL
Legal Lot Number	32
Jurisdiction	KENDALL IL
Township / Civil Division	OSWEGO
Census Block Group	3
Census Block	3009
Census Tract	890201

Owner

74 Paddock St is owned by two individuals who bought it in April 2026.

Source: Kendall County records, as of July 31, 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	370 ECHO LN, 3, AURORA, IL 60504-6117
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage EMPORIUM TPO LLC
Apr 1, 2026	Warranty Deed, Transfer · Conventional Mortgage U S BANK N A
May 11, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2026 · Amount on File
Deed Sale	Apr 1, 2026 · Amount on File
Prior Sale	May 20, 2025 · Amount on File
Deed Document Number	20264482
Prior Transfer Date	May 6, 2020
Prior Transfer Doc	0000007707
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	74 PADDOCK ST, MONTGOMERY, IL 60538-2413
Transaction Type	Mortgage
Record Updated	Apr 15, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2051 WRIGHT BLVD, BUFFALO GROVE, IL 60089-4648

Mortgage

Document Number	0000017008
Date	Dec 24, 2025
Instrument	202500017008

Lender

Name	EMPORIUM TPO LLC
Type	Mortgage Company
Address	FRISCO, TX 75034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	7.75%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Apr 1, 2026
Property Address	74 PADDOCK ST, MONTGOMERY, IL 60538-2413
Document Number	0000004482
Instrument Date	Mar 26, 2026
Instrument	20264482
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$46,965.00
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	370 ECHO LN, 3, AURORA, IL 60504-6117

Mortgage

Document Number	0000004483,
Date	Apr 1, 2026
Instrument	20264483

Lender

Name	U S BANK N A

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.13%
Initial Type	Fixed Rate
Max Rate	-1%

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENDALL IL
Recording Date	May 11, 2020
Property Address	74 PADDOCK ST, MONTGOMERY, IL 60538-2413
Document Number	0000007707
Instrument Date	May 6, 2020
Instrument	7707
Transaction Type	Transfer
Record Updated	May 19, 2020
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
Relationship	Personal Trust
Address	74 PADDOCK ST MONTGOMERY IL 605382413, MONTGOMERY, IL 60538-2413

Tax Assessment & Valuation

Source: Kendall County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kendall County
County Subdivision	Oswego Township
Unified School District	Oswego Community Unit School District 308 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$62,333 (-17.57%) Land $26,071 Building $36,262	$186,999 (-17.57%) Land $78,213 Building $108,786
2024	$5,985.00	$75,616 Land $23,072 Building $52,544	$226,848 Land $69,216 Building $157,632
2022		$63,097 Land $19,252 Building $43,845	$189,291 Land $57,756 Building $131,535

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 74 Paddock St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 18, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 74 Paddock 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MONTGOMERY serves 28,956 people · EPA ID IL0894690
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	Under 1 ppb (2024–2026) 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 574 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Watch TV Fixed Wireless	400 / 40
AT&T DSL	100 / 20

May also be available: Verizon.

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