Cook County property record for 14944 Terrace Ln, Midlothian, IL 60445
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 894 sqft · built 1953 |
| Lot Size | 0.186 acres (8,120 sqft) |
| Owner | Individual Name on File |
| Last Sale | $240,000 (May 2026) |
| Tax Bill | $4,801 (2023) |
| Deeds & Mortgages | Jan 2022 Mortgage May 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 28-10-413-034 |
| Primary APN | 28-10-413-034 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 894 sqft Living Area |
| 1st Floor Area | 894 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 8,120 sqft (0.186 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 14944 TERRACE LN |
|---|---|
| City | MIDLOTHIAN |
| State | IL |
| Zip | 60445-3344 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | (WOERHEIDES)(MIDLOTHIAN)(TERRACE) RESUB OF LTS1-23BLK 5LTS13-24BLK6 IN KRAUS REALTY COS HEART OF MIDLOTHIAN ALSO LTS1-5BLK13 |
| Legal Range | 13E |
| Legal Township | 36N |
| Legal Section | 10 |
| Legal Subdivision | WOERHEIDES MIDLOTHIAN TERRACE |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | COOK IL |
| Township / Civil Division | BREMEN |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 824602 |
14944 Terrace Ln is owned and occupied by an individual who bought it in May 2026.
Source: Cook County records, as of August 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 14944 TERRACE LN, MIDLOTHIAN, IL 60445-3344 |
| 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.
| Date | Document |
|---|---|
| Jan 31, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| May 21, 2026 | Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOODLOANS INC |
| Aug 16, 2019 | Deed of Trust, Mortgage · Conventional with PMI PARKSIDE LNDG |
| Jul 8, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 21, 2026 · Amount on File |
| Deed Sale | May 21, 2026 · Amount on File |
| Prior Sale | Feb 26, 2002 · Amount on File |
| Deed Document Number | 20262299 |
| Prior Transfer Date | Jun 18, 2019 |
| Prior Transfer Doc | 0000008100 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 14944 TERRACE LN, MIDLOTHIAN, IL 60445-3344 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0003139015 |
|---|---|
| Date | Jan 31, 2022 |
| Instrument | 2203139015 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Rate | 3.25% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | May 21, 2026 |
| Property Address | 14944 TERRACE LN, MIDLOTHIAN, IL 60445-3344 |
| Document Number | 0000002299 |
| Instrument Date | May 20, 2026 |
| Instrument | 2026.2299 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $36,360.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 14944 TERRACE LN, MIDLOTHIAN, IL 60445-3344 |
| Document Number | 0000000023, |
|---|---|
| Date | May 21, 2026 |
| Instrument | 2026.141.2026.141.23 |
| Name | NEIGHBORHOODLOANS INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.5% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Number | 0000002301, |
|---|---|
| Date | May 21, 2026 |
| Instrument | 2026.141.2301 |
| Name | ILLINOIS HOUSING DEV AUTHORITY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 30 Months |
| Due | Jun 1, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 14944 TERRACE LN, MIDLOTHIAN, IL 60445-3344 |
| Document Number | 1925308174 |
| Instrument Date | Aug 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2019 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 14944 TERRACE LN MIDLOTHIAN IL 604453344, MIDLOTHIAN, IL 60445-3344 |
| Document Number | 1925308174 |
|---|---|
| Date | Sep 10, 2019 |
| Instrument | 25308174 |
| Name | PARKSIDE LNDG |
|---|---|
| Address | SAN FRANCISCO, CA 94102 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 9, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.5% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Jul 8, 2019 |
| Property Address | 14944 TERRACE LN, MIDLOTHIAN, IL 60445-3344 |
| Document Number | 1918908100 |
| Instrument Date | Jun 18, 2019 |
| Instrument | 18908100 |
| Transaction Type | Transfer |
| Record Updated | Jul 17, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14944 TERRACE LN MIDLOTHIAN IL 604453344, MIDLOTHIAN, IL 60445-3344 |
Source: Cook County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Cook County |
| County Subdivision | Bremen Township |
| Municipality | Midlothian Village |
| Secondary School District | Bremen Community High School District 228 (09 - 12) |
| Elementary School District | Midlothian School District 143 (PK - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $16,000 Land $2,842 Building $13,158 | $160,000 Land $28,420 Building $131,580 | |
| 2023 | $4,801.00 (+31.79%) | ||
| 2022 | $3,643.00 (+2.82%) Homeowner's exemption | $11,176 (-) Land $2,436 Building $8,740 | $111,760 (-) Land $24,360 Building $87,400 |
| 2021 | $3,543.00 Homeowner's exemption | $11,176 Land $2,436 Building $8,740 | $111,760 Land $24,360 Building $87,400 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 14944 Terrace Ln in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 4 (1981–1996) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Jul 1996 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 14944 Terrace Ln is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 74% of Illinois |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 | MIDLOTHIAN serves 14,819 people · EPA ID IL0311920 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2023 |
| Lead | 8 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 488 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Fiber | 1,500 / 1,500 |
| Verizon Fixed Wireless | 300 / 20 |
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