1040 Locust Rd, Wilmette, IL 60091 Property Records

Cook County property record for 1040 Locust Rd, Wilmette, IL 60091

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,344 sqft · built 1954
Lot Size	0.465 acres (20,256 sqft)
Owner	Individual Name on File
Last Sale	$1,202,000 (Jan 1999)
Tax Bill	$24,619 (2023)
Deeds & Mortgages	Sep 2026 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`05-29-408-007`

Property Details

APN / Parcel Number

Primary APN	`05-29-408-007`
Alternative APN	`05-29-408-007-0000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,344 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1955
Architectural Style	Multi-Level
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Material	Asphalt
Lot Area	20,256 sqft (0.465 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1040 LOCUST RD
City	WILMETTE
State	IL
Zip	60091-1266
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(INDIAN)(HILL)(ESTATES) A SUB OF PT OF SW & PT OF SE SH SEC 29-42-13
Legal Range	13E
Legal Township	42N
Legal Section	29
Legal Subdivision	INDIAN HILL ESTATES
Legal Block	3
Legal Lot Number	12
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	3
Census Block	3003
Census Tract	800700

Owner

1040 Locust Rd is owned and occupied by an individual who acquired it in April 2011.

Source: Cook County records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	1040 LOCUST RD, WILMETTE, IL 60091-1266
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 1999 · Amount on File
Deed Sale	Jan 14, 1999 · Amount on File
Deed Document Number	1999903
Last Transfer Date	Apr 7, 2011
Transfer Doc	0000029093
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Recording Date	Sep 1, 2026
Property Address	1040 LOCUST RD, WILMETTE, IL 60091-1266
Document Number	0000024563
Instrument Date	Aug 18, 2026
Instrument	202624563
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212

Mortgage

Document Number	0000024563,
Date	Sep 1, 2026
Instrument	202624563

Lender

Name	BANK OF AMERICA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 18, 2056

Interest

Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	New Trier Township
Municipality	Wilmette Village
Secondary School District	New Trier Township High School District 203 (09 - 12)
Elementary School District	Wilmette School District 39 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$161,000 Land $40,512 Building $120,488	$1,610,000 Land $405,120 Building $1,204,880
2023	$24,619.00 (-2.73%)
2022	$25,309.00 Homeowner's exemption Senior Citizen's exemption	$124,000 Land $40,512 Building $83,488	$1,240,000 Land $405,120 Building $834,880

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 1040 Locust Rd in Zone X, an area of moderate flood risk, though there have been 5 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective February 11, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	5 (1979–2001)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Aug 2001 · tidal / storm surge

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 1040 Locust Rd 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	Direct burnable vegetation

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	WILMETTE serves 27,650 people · EPA ID IL0313300
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	6 ppb (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.

Internet Providers

Source: FCC Broadband Data Collection, based on 276 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20