1018 N Cross St, Wheaton, IL 60187 Property Records

DuPage County property record for 1018 N Cross St, Wheaton, IL 60187

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,994 sqft · built 1950
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$685,000 (Jul 2024)
Tax Bill	$12,604 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2026 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`05-09-318-008`

Property Details

APN / Parcel Number

Primary APN	`05-09-318-008`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,994 sqft Living Area
Basement Area	1,002 sqft
Finished Basement	1,002 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	16.3 ft deep x 5.5 ft wide
Garage Type	Detached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Deck Area	Deck Area
Patio Area	343 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	1018 N CROSS ST
City	WHEATON
State	IL
Zip	60187-3588
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	MCINTOSH RESUB OF BLKS 1 11 ETC
Legal Subdivision	MCINTOSH RESUB
Legal Block	1
Legal Lot Number	2
Jurisdiction	DU PAGE IL
Township / Civil Division	MILTON
Census Block Group	2
Census Block	2023
Census Tract	841801

Owner

1018 N Cross St is owned and occupied by an individual who bought it in July 2024.

Source: DuPage County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	1018 N CROSS ST, WHEATON, IL 60187-3588
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

Date	Document
Feb 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Feb 27, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage TOWNE MORTGAGE CO
May 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage COMPASS MORTGAGE INC
Sep 25, 2019	Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE
Jul 10, 2018	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE
Jan 3, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2024 · Amount on File
Deed Sale	Jul 18, 2024 · Amount on File
Prior Sale	Jul 10, 2018 · Amount on File
Deed Document Number	202440571
Prior Transfer Date	Dec 7, 2016
Prior Transfer Doc	0000000169
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	1018 N CROSS ST, WHEATON, IL 60187-3588
Transaction Type	Mortgage
Record Updated	Mar 18, 2026
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000016456
Date	Feb 1, 2021
Instrument	R2021-016456

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DU PAGE IL
Recording Date	Feb 27, 2026
Property Address	1018 N CROSS ST, WHEATON, IL 60187-3588
Document Number	0000012819
Map Reference	DOC 164742
Instrument Date	Jan 22, 2026
Instrument	R2026-012819
Transaction Type	Transfer
Record Updated	Mar 18, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1018 N CROSS ST, WHEATON, IL 60187-3588

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1018 N CROSS ST, WHEATON, IL 60187-3588

Mortgage

Document Number	0000012820
Date	Feb 27, 2026
Instrument	R2026-012820

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.12%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	1018 N CROSS ST, WHEATON, IL 60187-3588
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	CARRINGTON TITLE PARTNERS LL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048056
Date	May 31, 2018
Instrument	R2018-048056

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company
Address	WARRENVILLE, IL 60555

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Interest

Rate Type	Fixed Rate
Rate	6.62%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	1018 N CROSS ST, WHEATON, IL 60187-3588
Document Number	0000088850
Instrument Date	Sep 25, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1018 N CROSS ST WHEATON IL 601873588, WHEATON, IL 60187-3588

Mortgage

Document Number	0000088850
Date	Oct 3, 2019
Instrument	88850

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 2, 2049

Interest

Rate Type	Fixed Rate
Rate	3.87%

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DU PAGE IL
Recording Date	Jul 10, 2018
Property Address	1018 N CROSS ST, WHEATON, IL 60187-3588
Document Number	0000063280
Instrument Date	Jun 29, 2017
Instrument	63280
Transaction Type	Transfer
Record Updated	Jul 27, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1536 WINBSOR CT NAPERVILLE IL 60565, NAPERVILLE, IL 60565

Mortgage

Document Number	63281
Date	Jul 10, 2018
Instrument	63281

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2048

Interest

Rate Type	Fixed Rate
Rate	4.5%

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DU PAGE IL
Recording Date	Jan 3, 2017
Property Address	1018 N CROSS ST, WHEATON, IL 60187-3588
Document Number	0000000169
Instrument Date	Dec 7, 2016
Instrument	169
Transaction Type	Transfer
Record Updated	Jan 25, 2017
Title Company	ATTORNEY ONLY

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	1018 N CROSS ST WHEATON IL 601873588, WHEATON, IL 60187-3588

Tax Assessment & Valuation

The 2025 property tax bill for 1018 N Cross St was $12,604, up 2.3% from the year before.

Source: DuPage County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	DuPage County
County Subdivision	Milton Township
Municipality	Wheaton City
Unified School District	Community Unit School District 200 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,604.00 (+2.26%)	$216,102 (+8.46%) Land $43,904 Building $172,198	$648,306 (+8.46%) Land $131,712 Building $516,594
2024	$12,326.00 Homeowner's exemption	$199,245 Land $40,479 Building $158,766	$597,735 Land $121,437 Building $476,298
2022	$11,588.00 Homeowner's exemption	$173,330 Land $35,220 Building $138,110	$519,990 Land $105,660 Building $414,330

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 1018 N Cross St in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective September 1, 2025 · 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	10 (1982–2017)
Claims Outside the SFHA	8 of 10
Most Recent Claim	Apr 2017 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 3 claims

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

The area around 1018 N Cross 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	WHEATON serves 53,970 people · EPA ID IL0431050
Water Source	Purchased surface water from DU PAGE WATER COMMISSION
Last State Inspection	Jun 2024
Lead	2 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 409 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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