16541 W Split Rail Dr, Lockport, IL 60441 Property Records

Will County property record for 16541 W Split Rail Dr, Lockport, IL 60441

Property Summary

Property Type	Single Family Home
Details	2,874 sqft · built 2003
Lot Size	0.22 acres (9,708 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Sep 2023)
Tax Bill	$14,185 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Apr 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-05-19-314-010`

Property Details

APN / Parcel Number

Primary APN	`16-05-19-314-010`

Interior

Stories	2 Stories
Building Area	2,874 sqft Living Area
Basement Area	1,504 sqft
Unfinished Basement	1,504 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	9,708 sqft (0.22 acres)
Garage Area	473 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	16541 W SPLIT RAIL DR
City	LOCKPORT
State	IL
Zip	60441-4691
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 242 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 UNIT 3A
Legal Lot Number	242
Legal Unit	3A
Jurisdiction	WILL IL
Township / Civil Division	HOMER
Census Block Group	2
Census Block	2032
Census Tract	881009

Owner

Source: Will County records, as of August 24, 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	16541 W SPLIT RAIL DR, LOCKPORT, IL 60441-4691
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2023	Warranty Deed, Transfer · Conventional Mortgage OLD SECOND NATIONAL BANK
Apr 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage OLD NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2023 · Amount on Record
Deed Sale	Sep 15, 2023 · Amount on Record
Prior Sale	Nov 4, 2003 · Amount on Record
Deed Document Number	202348346
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILL IL
Recording Date	Sep 15, 2023
Property Address	16541 W SPLIT RAIL DR, LOCKPORT, IL 60441-4691
Document Number	0000048346
Map Reference	DOC R2002-146443
Instrument Date	Sep 8, 2023
Instrument	R2023048346
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSU

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$475.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16541 W SPLIT RAIL DR, LOCKPORT, IL 60441-4691

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	16541 W SPLIT RAIL DR, LOCKPORT, IL 60441-4691

Mortgage

Document Number	0000048347
Date	Sep 15, 2023
Instrument	R2023048347

Lender

Name	OLD SECOND NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	16541 W SPLIT RAIL DR, LOCKPORT, IL 60441-4691
Transaction Type	Mortgage
Record Updated	Apr 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030325
Date	Apr 13, 2022
Instrument	R2022030325

Lender

Name	OLD NATIONAL BANK
Type	Bank
Address	GURNEE, IL 60031

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.12%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.12%
Index	Other
Max Rate	8.12%

Tax Assessment & Valuation

Source: Will County assessment roll, as of August 24, 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	$14,185.00 (+21.96%)	$179,734 (+7.6%) Land $33,099 Building $146,635	$539,202 (+7.6%) Land $99,297 Building $439,905
2024		$167,039 (+18.15%) Land $30,761 Building $136,278	$501,117 (+18.15%) Land $92,283 Building $408,834
2022	$11,631.00 Homeowner's exemption	$141,376 Land $26,035 Building $115,341	$424,128 Land $78,105 Building $346,023

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	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	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 347 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: Bertram Communications, Verizon.

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