16045 Debra Dr, Oak Forest, IL 60452 Property Records

Cook County property record for 16045 Debra Dr, Oak Forest, IL 60452

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,091 sqft · built 1961
Lot Size	0.181 acres (7,862 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Jul 2026)
Tax Bill	$6,148 (2023)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-21-121-019`

Property Details

APN / Parcel Number

Primary APN	`28-21-121-019`
Alternative APN	`28-21-121-019-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,091 sqft Living Area
1st Floor Area	1,091 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Bungalow
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	7,862 sqft (0.181 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	16045 DEBRA DR
City	OAK FOREST
State	IL
Zip	60452-3714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	13E
Legal Township	36N
Legal Section	21
Jurisdiction	COOK IL
Township / Civil Division	BREMEN
Census Block Group	3
Census Block	3016
Census Tract	825000

Owner

16045 Debra Dr is owned by two individuals who bought it in July 2026.

Source: Cook County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7100 176TH ST, 204, TINLEY PARK, IL 60477-3872
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
Jul 16, 2026	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Jul 27, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2026 · Amount on File
Deed Sale	Jul 16, 2026 · Amount on File
Prior Sale	Jul 27, 2022 · Amount on File
Deed Document Number	20261979027
Prior Transfer Date	Aug 14, 2019
Prior Transfer Doc	0000047014
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Jul 16, 2026
Property Address	16045 DEBRA DR, OAK FOREST, IL 60452-3714
Document Number	0000009027
Instrument Date	Jul 14, 2026
Instrument	20269027
Transaction Type	Transfer
Record Updated	Jul 23, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$40,905.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0000009028,
Date	Jul 16, 2026
Instrument	20261979028

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.75%
Initial Type	Fixed Rate
Max Rate	-1%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Jul 27, 2022
Property Address	16045 DEBRA DR, OAK FOREST, IL 60452-3714
Document Number	0020812258
Map Reference	DOC 1732808
Instrument Date	Jul 19, 2022
Instrument	2220812258
Transaction Type	Transfer
Record Updated	Aug 8, 2022
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	16045 DEBRA DR, OAK FOREST, IL 60452-3714

Mortgage

Document Number	0020812259
Date	Jul 27, 2022
Instrument	2220812259

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.97%

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Bremen Township
Municipality	Oak Forest City
Elementary School District	Arbor Park School District 145 (PK - 08)
Secondary School District	Bremen Community High School District 228 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$17,000 Land $3,538 Building $13,462	$170,000 Land $35,380 Building $134,620
2023	$6,148.00 (+30.06%)
2022	$4,727.00 Homeowner's exemption Senior Citizen's exemption	$16,305 Land $3,144 Building $13,161	$163,050 Land $31,440 Building $131,610

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 16045 Debra Dr in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1982.

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	9 in force
Nearby Flood Claims	14 (1982–2000)
Claims Outside the SFHA	5 of 14
Most Recent Claim	Sep 2000 · other causes
Claims by Event	Severe Storms And Flooding, Jul 1996 · 3 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 16045 Debra Dr 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	OAK FOREST serves 27,478 people · EPA ID IL0312190
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 197 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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