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965 Garnet Ln, Montgomery, IL 60538 Property Records

Kendall County property record for 965 Garnet Ln, Montgomery, IL 60538

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,721 sqft · built 2020
Lot Size0.207 acres (8,999 sqft)
Owner2 Individual Names on File
Last Sale$260,000 (May 2020)
Tax Bill$6,768 (2024)
Deeds & MortgagesMay 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN03-02-219-002

Property Details

APN / Parcel Number

Primary APN03-02-219-002

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area1,721 sqft Living Area
Gross Area2,995 sqft
1st Floor Area1,721 sqft
Basement Area849 sqft

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Architectural StyleBi-Level
Exterior MaterialAluminum/Vinyl
Roof MaterialAsphalt
Lot Area8,999 sqft (0.207 acres)
Lot Dimensions120 ft deep x 75 ft wide
Garage TypeAttached
Garage Area425 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address965 GARNET LN
CityMONTGOMERY
StateIL
Zip60538-4149
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 29 MARQUISE POINTE UNIT 1 VILLAGE OF MONTGOMERY
Legal SubdivisionMARQUISE POINTE
Legal Lot Number29
JurisdictionKENDALL IL
Township / Civil DivisionOSWEGO
Census Block Group2
Census Block2016
Census Tract890104

Owner

965 Garnet Ln is owned and occupied by two individuals who bought it in May 2020.

Source: Kendall County records, as of May 27, 2026

Owner of Record2 Individual Names on File
Mailing Address965 GARNET LN, MONTGOMERY, IL 60538-4149
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

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 Names2 Names on Deed
Last SaleMay 21, 2020 · Amount on File
Deed SaleMay 21, 2020 · Amount on File
Deed Document Number20208532
Record UpdatedOct 29, 2026

May 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionKENDALL IL
Recording DateMay 21, 2020
Property Address965 GARNET LN, MONTGOMERY, IL 60538-4149
Document Number0000008532
Instrument DateFeb 25, 2020
Instrument8532
Transaction TypeTransfer
Record UpdatedJun 3, 2020
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSURA

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address659 SERENDIPITY DR AURORA IL 605044389, AURORA, IL 60504-4389

Mortgage

Document Number8533
DateMay 21, 2020
Instrument8533
Lender
NameGUARANTEED RATE
AddressCHICAGO, IL 60613
Agreement
AmountAmount on Record
Term360 Months
DueMay 20, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyKendall County
County SubdivisionOswego Township
MunicipalityMontgomery Village
Unified School DistrictOswego Community Unit School District 308 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$97,148 Land $20,775 Building $76,373$291,444 Land $62,325 Building $229,119
2024$6,768.00
2022$66,780 Land $14,281 Building $52,499$200,340 Land $42,843 Building $157,497

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 965 Garnet Ln in Zone X, an area of minimal flood risk.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

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

Wildfire

Wildfire risk around 965 Garnet Ln 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 RiskLow
lower than 99.1% of the US · lower than 94% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemMONTGOMERY
serves 28,956 people · EPA ID IL0894690
Water SourceGroundwater
Last State InspectionFeb 2023
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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 50 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		1,000 / 75
Watch TV
Fixed Wireless		400 / 40
T-Mobile
Fixed Wireless		100 / 20

May also be available: Metronet.

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