16532 W Split Rail Dr, Lockport, IL 60441 Property Records

Will County property record for 16532 W Split Rail Dr, Lockport, IL 60441

Property Summary

Property Type	Single Family Home
Details	2,937 sqft · built 2003
Lot Size	0.22 acres (9,593 sqft)
Owner	Individual Name on Record
Last Sale	$416,000 (Aug 2019)
Tax Bill	$14,324 (2025)
Deeds & Mortgages	May 2023 Second Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-05-19-301-014`

Property Details

APN / Parcel Number

Primary APN	`16-05-19-301-014`

Interior

Stories	2 Stories
Building Area	2,937 sqft Living Area
Basement Area	1,614 sqft
Unfinished Basement	1,614 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	9,593 sqft (0.22 acres)
Garage Area	621 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	16532 W SPLIT RAIL DR
City	LOCKPORT
State	IL
Zip	60441-4581
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 168 IN KAREN SPRINGS UNIT 3A, BEING A SUB OF PRT OF THE E 1/2 SW 1/4 OF SEC 19, T36N R11E.
Legal Range	11E
Legal Township	36N
Legal Section	19
Legal Subdivision	KAREN SPRINGS
Legal Lot Number	168
Legal Unit	3A
Jurisdiction	WILL IL
Township / Civil Division	HOMER
Census Block Group	2
Census Block	2017
Census Tract	881009

Owner

Source: Will County records, as of July 1, 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	16532 W SPLIT RAIL DR, LOCKPORT, IL 60441-4581
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 16, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Jan 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 15, 2019	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2019 · Amount on Record
Deed Sale	Aug 15, 2019 · Amount on Record
Prior Sale	Oct 8, 2003 · Amount on Record
Deed Document Number	201954137
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	16532 W SPLIT RAIL DR, LOCKPORT, IL 60441-4581
Transaction Type	Mortgage
Record Updated	Aug 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023535
Date	May 16, 2023
Instrument	R2023023535

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 15, 2033

Interest

Rate Type	Fixed Rate
Rate	10.7%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	16532 W SPLIT RAIL DR, LOCKPORT, IL 60441-4581
Transaction Type	Mortgage
Record Updated	Mar 2, 2021
Title Company	NORTH AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001322
Date	Jan 5, 2021
Instrument	R2021001322

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILL IL
Recording Date	Aug 15, 2019
Property Address	16532 W SPLIT RAIL DR, LOCKPORT, IL 60441-4581
Document Number	0000054137
Map Reference	DOC R2002-127562
Instrument Date	Aug 9, 2019
Instrument	R2019054137
Transaction Type	Transfer
Record Updated	Nov 4, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$416.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3842 W 55TH ST, CHICAGO, IL 60632-3744

Mortgage

Document Number	0000054138
Date	Aug 15, 2019
Instrument	R2019054138

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

Source: Will County assessment roll, as of June 30, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Will County
County Subdivision	Homer Township
Municipality	Lockport City
Secondary School District	Lockport Township High School District 205 (09 - 12)
Elementary School District	Will County School District 92 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,324.00 (+16.55%)
2024		$176,101 (+18.15%) Land $30,761 Building $145,340	$528,303 (+18.15%) Land $92,283 Building $436,020
2022	$12,290.00 Homeowner's exemption	$149,045 Land $26,035 Building $123,010	$447,135 Land $78,105 Building $369,030

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

Source: FEMA National Flood Hazard Layer, effective June 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 Claims	1 (1997)
Most Recent Claim	Feb 1997 · tidal / storm surge

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	LOCKPORT serves 23,100 people · EPA ID IL1970500
Water Source	Groundwater
Last State Inspection	May 2025
Lead	8 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	40 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 208 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Verizon.

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