1081 Prospect Ln, Des Plaines, IL 60018 Property Records

Cook County property record for 1081 Prospect Ln, Des Plaines, IL 60018

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,251 sqft · built 1955
Lot Size	0.46 acres (20,020 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Dec 2020)
Tax Bill	$7,299 (2023)
Deeds & Mortgages	Jan 2023 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-29-101-095`

Property Details

APN / Parcel Number

Primary APN	`09-29-101-095`
Alternative APN	`09-29-101-095-0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,251 sqft Living Area
1st Floor Area	1,251 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1956
Architectural Style	Bungalow
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Material	Asphalt
Lot Area	20,020 sqft (0.46 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water

Location & Zoning

Street Address	1081 PROSPECT LN
City	DES PLAINES
State	IL
Zip	60018-2066
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART E2NW4 S29 T41N R12E 3P
Legal Range	12E
Legal Township	41N
Legal Section	29
Legal Subdivision	DEXTER ACRES
Legal Lot Number	24
Jurisdiction	COOK IL
Township / Civil Division	MAINE
Census Block Group	1
Census Block	1008
Census Tract	770602

Owner

1081 Prospect Ln is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	1081 PROSPECT LN, DES PLAINES, IL 60018-2066
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
Jan 30, 2023	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Dec 16, 2020	Grant Deed, Transfer · FHA Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2020 · Amount on File
Deed Sale	Dec 16, 2020 · Amount on File
Deed Document Number	202016239
Prior Transfer Date	Oct 2, 2001
Prior Transfer Doc	0000080919
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	1081 PROSPECT LN, DES PLAINES, IL 60018-2066
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1081 PROSPECT LN, DES PLAINES, IL 60018-2066

Mortgage

Document Number	0003045023
Date	Jan 30, 2023
Instrument	2303045023

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 26, 2053

Interest

Rate Type	Adjustable Rate
Rate	11.5%
Change Frequency	Monthly

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	COOK IL
Recording Date	Dec 16, 2020
Property Address	1081 PROSPECT LN, DES PLAINES, IL 60018-2027
Document Number	2035116239
Instrument Date	Oct 13, 2020
Instrument	35116239
Transaction Type	Transfer
Record Updated	Dec 31, 2020
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1081 PROSPECT LN DES PLAINES IL 600182027, DES PLAINES, IL 60018-2027

Mortgage

Document Number	2035116240
Date	Dec 16, 2020
Instrument	35116240

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 15, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Maine Township
Municipality	Des Plaines City
Elementary School District	Des Plaines Community Consolidated School District 62 (PK - 08)
Secondary School District	Maine Township High School District 207 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$37,000 Land $15,015 Building $21,985	$370,000 Land $150,150 Building $219,850
2023	$7,299.00 (+2.86%)
2022	$7,096.00	$31,000 Land $13,013 Building $17,987	$310,000 Land $130,130 Building $179,870

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 1081 Prospect Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1978)
Most Recent Claim	Sep 1978 · rainfall accumulation

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 1081 Prospect 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 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	DES PLAINES serves 60,675 people · EPA ID IL0310630
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2026
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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 591 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
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	1,000 / 75

May also be available: T-Mobile.

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