Cook County property record for 1638 Gardner Rd, Westchester, IL 60154
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,204 sqft · built 1954 |
| Lot Size | 0.077 acres (3,350 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $230,000 (Sep 2018) |
| Tax Bill | $3,412 (2023) |
| Deeds & Mortgages | Dec 2021 Mortgage Sep 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-21-403-027 |
| Primary APN | 15-21-403-027 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,204 sqft Living Area |
| 1st Floor Area | 1,204 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Bungalow |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 3,350 sqft (0.077 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 1638 GARDNER RD |
|---|---|
| City | WESTCHESTER |
| State | IL |
| Zip | 60154-4412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GEO F (NIXON) & COS (CANTERBURY) ADD TO (WESTCHESTER) IN WH SE SEC21 WH SE SEC 21-39-12 |
| Legal Range | 12E |
| Legal Township | 39N |
| Legal Section | 21 |
| Legal Subdivision | NIXON & COS CANTERBURY ADD TO WESTCHESTE |
| Legal Lot Number | 15 |
| Jurisdiction | COOK IL |
| Township / Civil Division | PROVISO |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 818100 |
Source: Cook County records, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1638 GARDNER RD, WESTCHESTER, IL 60154-4412 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP |
| Sep 26, 2018 | Grant Deed, Transfer · FHA Mortgage FIRST CENTENNIAL MTG CORP |
| Apr 9, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 26, 2018 · Amount on Record |
| Deed Sale | Sep 26, 2018 · Amount on Record |
| Prior Sale | Mar 16, 2015 · Amount on Record |
| Deed Document Number | 201819214 |
| Prior Transfer Date | Apr 6, 2018 |
| Prior Transfer Doc | 0000055004 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1638 GARDNER RD, WESTCHESTER, IL 60154-4412 |
| Transaction Type | Mortgage |
| Record Updated | Jan 4, 2022 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0035601098 |
|---|---|
| Date | Dec 22, 2021 |
| Instrument | 2135601098 |
| Name | FIRST CENTENNIAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | AURORA, IL 60506 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Sep 26, 2018 |
| Property Address | 1638 GARDNER RD, WESTCHESTER, IL 60154-4412 |
| Document Number | 1826919214 |
| Instrument Date | Sep 20, 2018 |
| Instrument | 26919214 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2018 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $230.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4126 N LINCOLN AVE CHICAGO IL 606183047, CHICAGO, IL 60618-3047 |
| Document Number | 1826919215 |
|---|---|
| Date | Sep 26, 2018 |
| Instrument | 26919215 |
| Name | FIRST CENTENNIAL MTG CORP |
|---|---|
| Address | AURORA, IL 60506 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 25, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.62% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Apr 9, 2018 |
| Property Address | 1638 GARDNER RD, WESTCHESTER, IL 60154-4412 |
| Document Number | 1809955004 |
| Instrument Date | Apr 6, 2018 |
| Instrument | 9955004 |
| Transaction Type | Transfer |
| Record Updated | Apr 20, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1638 GARDNER RD WESTCHESTER IL 601544412, WESTCHESTER, IL 60154-4412 |
Source: Cook County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Cook County |
| County Subdivision | Proviso Township |
| Municipality | Westchester Village |
| Secondary School District | Proviso Township High School District 209 (09 - 12) |
| Elementary School District | Westchester School District 92-5 (PK - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,000 (+29.35%) Land $2,345 Building $10,655 | $130,000 (+29.35%) Land $23,450 Building $106,550 | |
| 2023 | $3,412.00 (+11.29%) | ||
| 2022 | $3,066.00 | $10,050 Land $2,010 Building $8,040 | $100,500 Land $20,100 Building $80,400 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
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.
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 | WESTCHESTER serves 16,241 people · EPA ID IL0313150 |
|---|---|
| Water Source | Purchased surface water from BROADVIEW-WESTCHESTER JOINT WATER AGENCY |
| Last State Inspection | Sep 2024 |
| Lead | 9 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 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 604 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures