Kankakee County property record for 982 Gerald Ave, Saint Anne, IL 60964
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.019 acres (849 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $4,894 (2025) |
| Deeds & Mortgages | Mar 2023 Line of Credit Apr 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-18-08-102-009 |
| Primary APN | 12-18-08-102-009 |
|---|
| Lot Area | 849 sqft (0.019 acres) |
|---|
| Street Address | 982 GERALD AVE |
|---|---|
| City | SAINT ANNE |
| State | IL |
| Zip | 60964-5443 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HIGHLAND ESTATES LOT 17 08-30-12W |
| Legal Subdivision | HIGHLAND ESTATES |
| Legal Lot Number | 17 |
| Jurisdiction | KANKAKEE IL |
| Township / Civil Division | AROMA |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 11200 |
982 Gerald Ave is owner-occupied and held in a trust since March 2022.
Source: Kankakee County records, as of August 18, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 982 GERALD AVE, SAINT ANNE, IL 60964-5443 |
| 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.
| Date | Document |
|---|---|
| Mar 10, 2023 | Deed of Trust, Mortgage · Line of Credit MIDLAND STATES BANK |
| Apr 4, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Apr 24, 2018 | Deed of Trust, Mortgage · Conventional Mortgage HOMESTAR BANK & FINANCIAL SVCS |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 9, 2022 |
| Transfer Doc | 0202203892 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANKAKEE IL |
| Property Address | 982 GERALD AVE, SAINT ANNE, IL 60964-5443 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0202302076 |
|---|---|
| Date | Mar 10, 2023 |
| Instrument | 202302076 |
| Name | MIDLAND STATES BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 6, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.75% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KANKAKEE IL |
| Recording Date | Apr 4, 2022 |
| Property Address | 982 GERALD AVE, SAINT ANNE, IL 60964-5443 |
| Document Number | 0202203892 |
| Instrument Date | Mar 9, 2022 |
| Instrument | 202203892 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 982 GERALD AVE, SAINT ANNE, IL 60964-5443 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANKAKEE IL |
| Property Address | 982 GERALD AVE, SAINT ANNE, IL 60964-5443 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201803997 |
|---|---|
| Date | Apr 24, 2018 |
| Instrument | 201803997 |
| Name | HOMESTAR BANK & FINANCIAL SVCS |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Apr 25, 2023 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 982 Gerald Ave was $4,894 with exemptions applied, up 0.3% from the year before.
Source: Kankakee County assessment roll, as of April 7, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kankakee County |
| County Subdivision | Aroma Township |
| Unified School District | Kankakee School District 111 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,894.00 (+0.27%) | $74,960 Land $4,237 Building $70,723 | $224,880 Land $12,711 Building $212,169 |
| 2024 | $4,881.00 | ||
| 2023 | $65,496 Land $3,702 Building $61,794 | $196,488 Land $11,106 Building $185,382 | |
| 2022 | $4,716.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 982 Gerald Ave in Zone X, an area of minimal flood risk, though there have been 38 flood claims nearby since 1984.
Source: FEMA National Flood Hazard Layer, effective February 14, 2019 · 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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 38 (1984–2018) |
| Claims Outside the SFHA | 16 of 38 |
| Most Recent Claim | Feb 2018 · river or lake 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 risk around 982 Gerald Ave 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 96% of the US · lower than 74% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | AQUA ILLINOIS-HIGHLAND ESTATES serves 171 people · EPA ID IL0915220 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2023 |
| Lead | 3 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 46 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 |
| Bertram Communications Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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