16549 W Split Rail Dr, Lockport, IL 60441 Property Records

Will County property record for 16549 W Split Rail Dr, Lockport, IL 60441

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,905 sqft · built 2003
Lot Size	0.27 acres (11,800 sqft)
Owner	Individual Name on Record
Last Sale	$287,000 (Aug 2011)
Tax Bill	$13,397 (2025)
Deeds & Mortgages	Oct 2026 Transfer Feb 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-05-19-314-009`

Property Details

APN / Parcel Number

Primary APN	`16-05-19-314-009`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,905 sqft Living Area
Basement Area	1,015 sqft
Unfinished Basement	1,015 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Contemporary
Exterior Material	Brick
Lot Area	11,800 sqft (0.27 acres)
Lot Dimensions	118 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	473 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	16549 W SPLIT RAIL DR
City	LOCKPORT
State	IL
Zip	60441-4691
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 243 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	243
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 October 21, 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	16549 W SPLIT RAIL DR, LOCKPORT, IL 60441-4691
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Feb 5, 2018	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Nov 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2011 · Amount on Record
Deed Sale	Aug 11, 2011 · Amount on Record
Prior Sale	Jan 16, 2008 · Amount on Record
Deed Document Number	201174726
Last Transfer Date	Oct 3, 2026
Transfer Doc	0000062741
Record Updated	Oct 29, 2026

October 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WILL IL
Recording Date	Oct 8, 2026
Property Address	16549 W SPLIT RAIL DR, LOCKPORT, IL 60441-4691
Document Number	0000062741
Instrument Date	Oct 3, 2026
Instrument	202662741
Transaction Type	Transfer
Record Updated	Oct 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16549 W SPLIT RAIL DR, LOCKPORT, IL 60441-4691

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	16549 W SPLIT RAIL DR, LOCKPORT, IL 60441-4691
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009138
Date	Feb 5, 2018
Instrument	R2018009138

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 28, 2048

Interest

Rate	7.44%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	16549 W SPLIT RAIL DR, LOCKPORT, IL 60441-4691
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CITYWIDE TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000080507
Date	Nov 12, 2019
Instrument	R2019080507

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2039

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	$13,397.00 (+16.54%)	$177,750 (+7.6%) Land $33,099 Building $144,651	$533,250 (+7.6%) Land $99,297 Building $433,953
2024		$165,195 (+18.15%) Land $30,761 Building $134,434	$495,585 (+18.15%) Land $92,283 Building $403,302
2022	$11,496.00 Homeowner's exemption	$139,815 Land $26,035 Building $113,780	$419,445 Land $78,105 Building $341,340

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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