809 W 2nd St, Gilman, IL 60938 Property Records

Iroquois County property record for 809 W 2nd St, Gilman, IL 60938

Property Summary

Property Type	Single Family Home
Lot Size	0.966 acres (42,080 sqft)
Owner	Trust Name on File
Tax Bill	$5,861 (2025)
Deeds & Mortgages	Jun 2023 Sale Nov 2022 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16 31 452 011`

Property Details

APN / Parcel Number

Primary APN	`16 31 452 011`

Exterior

Lot Area	42,080 sqft (0.966 acres)

Location & Zoning

Street Address	809 W 2ND ST
City	GILMAN
State	IL
Zip	60938-1005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SCOTTS ADD E 110' W 215' OL 13
Legal Subdivision	SCOTTS ADD
Jurisdiction	IROQUOIS IL
Township / Civil Division	DOUGLAS
Census Block Group	1
Census Block	1124
Census Tract	950600

Owner

809 W 2nd St is owner-occupied and held in a trust since June 2023.

Source: Iroquois County records, as of July 17, 2026

Owner of Record	Trust Name on File
Mailing Address	809 W 2ND ST, GILMAN, IL 60938-1005
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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

Date	Document
Jun 6, 2023	Deed, Transfer ATTORNEY ONLY, ATTORNEY
Nov 18, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PROSPECT BANK
Jul 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage IROQUOIS FSLA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 5, 2023
Transfer Doc	0000001603
Record Updated	Sep 20, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	IROQUOIS IL
Recording Date	Jun 6, 2023
Property Address	809 W 2ND ST, GILMAN, IL 60938-1005
Document Number	00023R1603
Instrument Date	Jun 5, 2023
Instrument	23R1603
Transaction Type	Transfer
Record Updated	Jun 26, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	809 W 2ND ST, GILMAN, IL 60938-1005

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	809 W 2ND ST, GILMAN, IL 60938-1005

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	809 W 2ND ST, GILMAN, IL 60938-1005
Transaction Type	Mortgage
Record Updated	Dec 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00022R4122
Date	Nov 18, 2022
Instrument	22R4122

Lender

Name	PROSPECT BANK
Type	Bank
Address	PARIS, IL 61944

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Dec 1, 2025
Change Frequency	Annually
Min Rate At Change	6.5%
Max Rate At Change	8.5%
Index	1-Year T-Bill
Margin	6
Max Rate	12.5%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	IROQUOIS IL
Property Address	809 W 2ND ST, GILMAN, IL 60938-1005
Transaction Type	Mortgage
Record Updated	Aug 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21R2865
Date	Jul 23, 2021
Instrument	21R2865

Lender

Name	IROQUOIS FSLA
Type	Bank
Address	DANVILLE, IL 61832

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

Interest

Rate	2.37%

Tax Assessment & Valuation

The 2025 property tax bill for 809 W 2nd St was $5,861 with exemptions applied.

Source: Iroquois County assessment roll, as of July 17, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Iroquois County
County Subdivision	Douglas Township
Municipality	Gilman City
Unified School District	Iroquois West Community Unit School District 10 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,861.00	$86,410 Land $14,190 Building $72,220	$259,230 Land $42,570 Building $216,660
2022	$5,113.00 (+11.08%) Homeowner's exemption Senior Citizen's exemption	$76,320 Land $12,530 Building $63,790	$228,960 Land $37,590 Building $191,370
2021	$4,603.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 809 W 2nd St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective August 16, 2011 · 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 Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2008 · Severe Storms And Flooding

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 809 W 2nd 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 99.1% of the US · lower than 94% 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	GILMAN serves 1,793 people · EPA ID IL0750450
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	3 ppb (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	4 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 146 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conxxus Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20
Watch TV Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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