Cook County property record for 123 Cliff St, Willow Springs, IL 60480
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,097 sqft · built 1994 |
| Lot Size | 0.293 acres (12,750 sqft) |
| Owner | Individual Name on File |
| Last Sale | $319,500 (Jan 2021) |
| Tax Bill | $8,596 (2023) |
| Deeds & Mortgages | Jan 2021 Sale & Mortgage Apr 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 18-33-310-051 |
| Primary APN | 18-33-310-051 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,097 sqft Living Area |
| 1st Floor Area | 2,097 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 12,750 sqft (0.293 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 123 CLIFF ST |
|---|---|
| City | WILLOW SPRINGS |
| State | IL |
| Zip | 60480-1340 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | ARCHER ROAD |
| Legal Lot Number | 3-5 |
| Jurisdiction | COOK IL |
| Township / Civil Division | LYONS |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 820606 |
123 Cliff St is owned and occupied by an individual who bought it in January 2021.
Source: Cook County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 123 CLIFF ST, WILLOW SPRINGS, IL 60480-1340 |
| 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.
| Date | Document |
|---|---|
| Jan 20, 2021 | Grant Deed, Transfer · Conventional Mortgage INLAND BK&TR |
| Apr 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage KEY MTG SVCS |
| Aug 28, 2018 | Deed of Trust, Mortgage STEWART TITLE |
| Jul 16, 2018 | Warranty Deed, Transfer · Conventional with PMI KEY MTG SVCS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 20, 2021 · Amount on File |
| Deed Sale | Jan 20, 2021 · Amount on File |
| Prior Sale | Jul 16, 2018 · Amount on File |
| Deed Document Number | 20217113 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Jan 20, 2021 |
| Property Address | 123 CLIFF ST, WILLOW SPRINGS, IL 60480-1340 |
| Document Number | 2102007113 |
| Instrument Date | Dec 8, 2020 |
| Instrument | 2007113 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2021 |
| Title Company | PROPER TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $320.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 111 RACHEL AVE WILLOW SPRINGS IL 604801562, WILLOW SPRINGS, IL 60480-1562 |
| Document Number | 2102007114 |
|---|---|
| Date | Jan 20, 2021 |
| Instrument | 2007114 |
| Name | INLAND BK&TR |
|---|---|
| Type | Bank |
| Address | GENEVA, IL 60134 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 19, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 123 CLIFF ST, WILLOW SPRINGS, IL 60480-1340 |
| Document Number | 2030247061 |
| Instrument Date | Apr 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2020 |
| Title Company | PRAIRIE TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Corporate Trust |
| Address | 123 CLIFF ST WILLOW SPRINGS IL 604801340, WILLOW SPRINGS, IL 60480-1340 |
| Document Number | 2030247061 |
|---|---|
| Date | Oct 28, 2020 |
| Instrument | 30247061 |
| Name | KEY MTG SVCS |
|---|---|
| Type | Mortgage Company |
| Address | SCHAUMBURG, IL 60173 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Oct 27, 2045 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 123 CLIFF ST, WILLOW SPRINGS, IL 60480-1340 |
| Document Number | 1824216091 |
| Instrument Date | Aug 28, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 12, 2018 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 123 CLIFF ST WILLOW SPRINGS IL 604801340, WILLOW SPRINGS, IL 60480-1340 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Jul 16, 2018 |
| Property Address | 123 CLIFF ST, WILLOW SPRINGS, IL 60480-1340 |
| Document Number | 1819757041 |
| Instrument Date | Jul 13, 2018 |
| Instrument | 19757041 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $280.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 1100 LAKE ST #165 OAK PARK IL 603011065, 165, OAK PARK, IL 60301-1065 |
| Document Number | 1819757042 |
|---|---|
| Date | Jul 16, 2018 |
| Instrument | 19757042 |
| Name | KEY MTG SVCS |
|---|---|
| Type | Mortgage Company |
| Address | SCHAUMBURG, IL 60173 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 15, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.62% |
Source: Cook County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Cook County |
| County Subdivision | Lyons Township |
| Municipality | Willow Springs Village |
| Secondary School District | Argo Community High School District 217 (09 - 12) |
| Elementary School District | Willow Springs School District 108 (KG - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $31,311 Land $7,331 Building $23,980 | $313,110 Land $73,310 Building $239,800 | |
| 2023 | $8,596.00 (-25.85%) | ||
| 2022 | $11,593.00 Homeowner's exemption | $32,041 Land $6,375 Building $25,666 | $320,410 Land $63,750 Building $256,660 |
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.
FEMA maps place 123 Cliff St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective February 11, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 123 Cliff St 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | JUSTICE-WILLOW SPRINGS WATER COMMISSION serves 18,450 people · EPA ID IL0315820 |
|---|---|
| Water Source | Purchased surface water from CHICAGO |
| Last State Inspection | Mar 2026 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 49 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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