148 Harding Ave, Des Plaines, IL 60016 Property Records

Cook County property record for 148 Harding Ave, Des Plaines, IL 60016

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,344 sqft · built 1981
Lot Size	0.158 acres (6,882 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,570 (2024)
Deeds & Mortgages	Aug 2026 Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-18-118-010`

Property Details

APN / Parcel Number

Primary APN	`09-18-118-010`
Alternative APN	`09-18-118-010-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,882 sqft (0.158 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	148 HARDING AVE
City	DES PLAINES
State	IL
Zip	60016-2969
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	12E
Legal Township	41N
Legal Section	18
Legal Subdivision	JO NOR
Legal Lot Number	56
Jurisdiction	COOK IL
Township / Civil Division	MAINE
Census Block Group	3
Census Block	3014
Census Tract	806102

Owner

148 Harding Ave is owned and occupied by two individuals who acquired it in August 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	148 HARDING AVE, DES PLAINES, IL 60016-2969
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 26, 2026	Quit Claim Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL
Jul 21, 2021	Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2026
Deed Sale	Aug 26, 2026
Prior Sale	Jul 21, 2021 · Amount on File
Deed Document Number	202623820342
Prior Transfer Date	May 14, 2026
Prior Transfer Doc	0000020342
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COOK IL
Recording Date	Aug 26, 2026
Property Address	148 HARDING AVE, DES PLAINES, IL 60016-2969
Document Number	0000020342
Instrument Date	May 14, 2026
Instrument	202620342
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMPAN

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	148 HARDING AVE, DES PLAINES, IL 60016-2969

Mortgage

Document Number	0000020343,
Date	Aug 26, 2026
Instrument	202623820343

Lender

Name	CARDINAL FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Jul 21, 2021
Property Address	148 HARDING AVE, DES PLAINES, IL 60016-2969
Document Number	0020204244
Instrument Date	Jun 15, 2021
Instrument	2120204244
Transaction Type	Transfer
Record Updated	Aug 4, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$462.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	148 HARDING AVE, DES PLAINES, IL 60016-2969

Mortgage

Document Number	0020204245
Date	Jul 21, 2021
Instrument	2120204245

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	4.12%

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		$43,202 Land $8,258 Building $34,944	$432,020 Land $82,580 Building $349,440
2024	$7,570.00 (-8.49%)
2023	$8,272.00 (+2.47%)
2022	$8,073.00 Homeowner's exemption	$31,376 Land $6,882 Building $24,494	$313,760 Land $68,820 Building $244,940

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 148 Harding Ave 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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 39 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	29 (1982–2013)
Claims Outside the SFHA	11 of 29
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2008 · 7 claims Severe Storms & Flooding, Aug 1987 · 13 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 148 Harding Ave 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	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 517 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless 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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