Cook County property record for 1581 Harding Rd, Northfield, IL 60093
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,340 sqft · built 1927 |
| Lot Size | 0.17 acres (7,400 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $535,000 (Oct 2023) |
| Tax Bill | $8,752 (2023) |
| Deeds & Mortgages | Oct 2023 Second Mortgage Mar 2021 Mortgage + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 05-19-323-007 |
| Primary APN | 05-19-323-007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,340 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1928 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 7,400 sqft (0.17 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1581 HARDING RD |
|---|---|
| City | NORTHFIELD |
| State | IL |
| Zip | 60093-3502 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | (HIGGINS) SUB OF PT OF LT2 OF HAPPS SUB OF PT OF S21A CS OF SH SW LYING E OF HAPP ROAD SH SW SEC 19-42-13 |
| Legal Range | 13E |
| Legal Township | 42N |
| Legal Section | 19 |
| Legal Subdivision | HIGGINS SUB |
| Legal Lot Number | 2 |
| Jurisdiction | COOK IL |
| Township / Civil Division | NEW TRIER |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 800800 |
1581 Harding Rd is owned and occupied by two individuals who bought it in October 2023.
Source: Cook County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1581 HARDING RD, NORTHFIELD, IL 60093-3502 |
| 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 |
|---|---|
| Oct 13, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ILLINOIS HOUSING DEVELOPMENT AUTHORITY |
| Mar 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Oct 13, 2023 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Oct 13, 2023 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Mar 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 13, 2023 · Amount on File |
| Deed Sale | Oct 13, 2023 · Amount on File |
| Prior Sale | Aug 5, 2013 · Amount on File |
| Deed Document Number | 202310191 |
| Prior Transfer Date | Jul 30, 2023 |
| Prior Transfer Doc | 0000010190 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1581 HARDING RD, NORTHFIELD, IL 60093-3502 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1697 WINNETKA AVE, NORTHFIELD, IL 60093-3317 |
| Document Number | 0028610193 |
|---|---|
| Date | Oct 13, 2023 |
| Instrument | 2328610193 |
| Name | ILLINOIS HOUSING DEVELOPMENT AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | CHICAGO, IL 60601 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Oct 1, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1581 HARDING RD, NORTHFIELD, IL 60093-3502 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Title Company | TEK TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0006735151 |
|---|---|
| Date | Mar 8, 2021 |
| Instrument | 2106735151 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 164 Months |
| Due | Nov 1, 2034 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.37% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Oct 13, 2023 |
| Property Address | 1581 HARDING RD, NORTHFIELD, IL 60093-3502 |
| Document Number | 0028610191 |
| Map Reference | DOC 8530235 |
| Instrument Date | Jul 31, 2023 |
| Instrument | 2328610191 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2026 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $535.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1581 HARDING RD, NORTHFIELD, IL 60093-3502 |
| Document Number | 0028610192 |
|---|---|
| Date | Oct 13, 2023 |
| Instrument | 2328610192 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Oct 13, 2023 |
| Property Address | 1581 HARDING RD, NORTHFIELD, IL 60093-3502 |
| Document Number | 0028610190 |
| Map Reference | DOC 8530235 |
| Instrument Date | Jul 30, 2023 |
| Instrument | 2328610190 |
| Transaction Type | Transfer |
| Record Updated | May 8, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1581 HARDING RD, NORTHFIELD, IL 60093-3502 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1581 HARDING RD, NORTHFIELD, IL 60093-3502 |
| Document Number | 2017857469 |
| Instrument Date | Mar 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2020 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 1581 HARDING RD NORTHFIELD IL 600933502, NORTHFIELD, IL 60093-3502 |
| Document Number | 2017857469 |
|---|---|
| Date | Jun 26, 2020 |
| Instrument | 17857469 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 25, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
Source: Cook County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Cook County |
| County Subdivision | New Trier Township |
| Municipality | Northfield Village |
| Elementary School District | Avoca School District 37 (KG - 08) |
| Secondary School District | New Trier Township High School District 203 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $48,000 Land $11,840 Building $36,160 | $480,000 Land $118,400 Building $361,600 | |
| 2023 | $8,752.00 (+5.55%) | ||
| 2022 | $8,292.00 (-0.42%) | $39,000 (+15.71%) Land $11,840 Building $27,160 | $390,000 (+15.71%) Land $118,400 Building $271,600 |
| 2021 | $8,327.00 | $33,706 Land $8,510 Building $25,196 | $337,060 Land $85,100 Building $251,960 |
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 1581 Harding Rd 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 |
| Flood Insurance Cost | Premium on File median of 80 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 80 in force |
| Nearby Flood Claims | 99 (1979–2020) |
| Claims Outside the SFHA | 32 of 99 |
| Most Recent Claim | May 2020 · rainfall accumulation |
| 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.
The area around 1581 Harding Rd 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 | NORTHFIELD serves 5,751 people · EPA ID IL0312100 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jul 2023 |
| Lead | 21 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead public education currently in violation since Mar 2026 |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 417 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 Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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