Cook County property record for 1231 16th St, Wilmette, IL 60091
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,753 sqft · built 1940 |
| Lot Size | 0.144 acres (6,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $655,000 (Feb 2019) |
| Tax Bill | $13,198 (2023) |
| Deeds & Mortgages | Jul 2026 Line of Credit Oct 2025 Line of Credit + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-28-405-015 |
| Primary APN | 05-28-405-015 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,753 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Old Style |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 6,250 sqft (0.144 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 1231 16TH ST |
|---|---|
| City | WILMETTE |
| State | IL |
| Zip | 60091-1551 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | (KENILWORTH) (PARK) ADD TO (WILMETTE) IN SE SEC 28-42-13 |
| Legal Range | 13E |
| Legal Township | 42N |
| Legal Section | 28 |
| Legal Subdivision | KENILWORTH PARK ADD TO WILMETTE |
| Legal Lot Number | 1A |
| Jurisdiction | COOK IL |
| Township / Civil Division | NEW TRIER |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 801100 |
1231 16th St is owned and occupied by an individual who bought it in February 2019.
Source: Cook County records, as of August 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1231 16TH ST, WILMETTE, IL 60091-1551 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Jul 24, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Oct 10, 2025 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Nov 8, 2022 | Deed of Trust, Mortgage · Line of Credit BURLING BANK |
| Jul 1, 2021 | Deed of Trust, Mortgage · Line of Credit BLUELEAF LENDING LLC |
| Jul 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BLUELEAF LENDING LLC |
| Oct 26, 2019 | Deed of Trust, Mortgage JP MORGAN CHASE BK |
| Feb 20, 2019 | Warranty Deed, Mortgage JP MORGAN CHASE BK |
| Aug 16, 2017 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 20, 2019 · Amount on File |
| Deed Sale | Feb 20, 2019 · Amount on File |
| Prior Sale | Jul 8, 2005 · Amount on File |
| Deed Document Number | 201919285 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Jul 24, 2026 |
| Property Address | 1231 16TH ST, WILMETTE, IL 60091-1551 |
| Document Number | 0000000002 |
| Instrument Date | Jul 9, 2026 |
| Instrument | 20262 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Document Number | 0000000002, |
|---|---|
| Date | Jul 24, 2026 |
| Instrument | 20262 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1231 16TH ST, WILMETTE, IL 60091-1551 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0028326049 |
|---|---|
| Date | Oct 10, 2025 |
| Instrument | 2528326049 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1231 16TH ST, WILMETTE, IL 60091-1551 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1231 16TH ST, WILMETTE, IL 60091-1551 |
| Document Number | 0031215004 |
|---|---|
| Date | Nov 8, 2022 |
| Instrument | 2231215004 |
| Name | BURLING BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60604 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1231 16TH ST, WILMETTE, IL 60091-1551 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 1231 16TH ST, WILMETTE, IL 60091-1551 |
| Document Number | 0018208241 |
|---|---|
| Date | Jul 1, 2021 |
| Instrument | 2118208241 |
| Name | BLUELEAF LENDING LLC |
|---|---|
| Type | Lending Institution |
| Address | CHICAGO, IL 60607 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 81 Months |
| Due | Apr 22, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1231 16TH ST, WILMETTE, IL 60091-1551 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0018208240 |
|---|---|
| Date | Jul 1, 2021 |
| Instrument | 2118208240 |
| Name | BLUELEAF LENDING LLC |
|---|---|
| Type | Lending Institution |
| Address | CHICAGO, IL 60607 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | May 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1231 16TH ST, WILMETTE, IL 60091-1551 |
| Document Number | 1932562044 |
| Instrument Date | Oct 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2019 |
| Title Company | CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1231 16TH ST WILMETTE IL 600911551, WILMETTE, IL 60091-1551 |
| Document Number | 1932562044 |
|---|---|
| Date | Nov 21, 2019 |
| Instrument | 32562044 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240-2050 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 20, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Feb 20, 2019 |
| Property Address | 1231 16TH ST, WILMETTE, IL 60091-1551 |
| Document Number | 1905119285 |
| Instrument Date | Feb 4, 2019 |
| Instrument | 5119285 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2019 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $0.66 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1231 16TH ST WILMETTE IL 600911551, WILMETTE, IL 60091-1551 |
| Document Number | 1905249209 |
|---|---|
| Date | Feb 20, 2019 |
| Instrument | 5249209 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240-2050 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Feb 19, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1231 16TH ST, WILMETTE, IL 60091-1551 |
| Document Number | 1729039094 |
| Instrument Date | Aug 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1231 16TH ST WILMETTE IL 600911551, WILMETTE, IL 60091-1551 |
| Document Number | 1729039094 |
|---|---|
| Date | Oct 17, 2017 |
| Instrument | 29039094 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 16, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Cook County assessment roll, as of May 27, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $86,000 Land $20,000 Building $66,000 | $860,000 Land $200,000 Building $660,000 | |
| 2023 | $13,198.00 (+5.66%) | ||
| 2022 | $12,491.00 | $58,163 Land $20,000 Building $38,163 | $581,630 Land $200,000 Building $381,630 |
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 1231 16th St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2013.
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 Policies | 7 in force |
| Nearby Flood Claims | 2 (2013–2017) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jan 2017 · 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.
The area around 1231 16th 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 425 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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