Cook County property record for 1863 Locust St, Des Plaines, IL 60018
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,033 sqft · built 1961 |
| Lot Size | 0.181 acres (7,903 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,000 (Mar 2017) |
| Tax Bill | $5,695 (2023) |
| Deeds & Mortgages | Nov 2023 Mortgage Aug 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-28-125-021 |
| Primary APN | 09-28-125-021 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,033 sqft Living Area |
| 1st Floor Area | 1,033 sqft |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Bungalow |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 7,903 sqft (0.181 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 1863 LOCUST ST |
|---|---|
| City | DES PLAINES |
| State | IL |
| Zip | 60018-2326 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | (SECOND) ADD TO (MCKAY)(NEALIS) SUB IN NH SEC 28-41-12 |
| Legal Range | 12E |
| Legal Township | 41N |
| Legal Section | 28 |
| Legal Subdivision | SECOND ADD TO MCKAY NEALIS |
| Legal Lot Number | 7 |
| Jurisdiction | COOK IL |
| Township / Civil Division | MAINE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 806502 |
1863 Locust St is owned and occupied by an individual who bought it in March 2017.
Source: Cook County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1863 LOCUST ST, DES PLAINES, IL 60018-2326 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 20, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 25, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 13, 2019 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Oct 23, 2017 | Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MTG |
| Mar 2, 2017 | Grant Deed, Transfer · FHA Mortgage CROSSCOUNTRY MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 2, 2017 · Amount on File |
| Deed Sale | Mar 2, 2017 · Amount on File |
| Prior Sale | Oct 18, 1996 |
| Deed Document Number | 20176034 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1863 LOCUST ST, DES PLAINES, IL 60018-2326 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1863 LOCUST ST, DES PLAINES, IL 60018-2326 |
| Document Number | 0032413005 |
|---|---|
| Date | Nov 20, 2023 |
| Instrument | 2332413005 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 345 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1863 LOCUST ST, DES PLAINES, IL 60018-2326 |
| Transaction Type | Mortgage |
| Record Updated | Sep 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1863 LOCUST ST, DES PLAINES, IL 60018-2326 |
| Document Number | 0023704108 |
|---|---|
| Date | Aug 25, 2022 |
| Instrument | 2223704108 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | DENVER, CO 80249 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1863 LOCUST ST, DES PLAINES, IL 60018-2326 |
| Document Number | 1923455133 |
| Instrument Date | Aug 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2019 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1863 LOCUST ST DES PLAINES IL 600182326, DES PLAINES, IL 60018-2326 |
| Document Number | 1923455133 |
|---|---|
| Date | Aug 22, 2019 |
| Instrument | 23455133 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 336 Months |
| Due | Aug 21, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 1863 LOCUST ST, DES PLAINES, IL 60018-2326 |
| Document Number | 1731846188 |
| Instrument Date | Oct 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 1863 LOCUST ST DES PLAINES IL 600182326, DES PLAINES, IL 60018-2326 |
| Document Number | 1731846188 |
|---|---|
| Date | Nov 14, 2017 |
| Instrument | 31846188 |
| Name | CROSSCOUNTRY MTG |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 13, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Mar 2, 2017 |
| Property Address | 1863 LOCUST ST, DES PLAINES, IL 60018-2326 |
| Document Number | 1706106034 |
| Instrument Date | Feb 28, 2017 |
| Instrument | 6106034 |
| Transaction Type | Transfer |
| Record Updated | Mar 10, 2017 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $180.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1863 LOCUST ST DES PLAINES IL 600182326, DES PLAINES, IL 60018-2326 |
| Document Number | 1706106035 |
|---|---|
| Date | Mar 2, 2017 |
| Instrument | 6106035 |
| Name | CROSSCOUNTRY MTG |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5% |
Source: Cook County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Cook County |
| County Subdivision | Maine Township |
| Municipality | Des Plaines City |
| Elementary School District | Des Plaines Community Consolidated School District 62 (PK - 08) |
| Secondary School District | Maine Township High School District 207 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $31,000 Land $7,113 Building $23,887 | $310,000 Land $71,130 Building $238,870 | |
| 2023 | $5,695.00 (+2.98%) | ||
| 2022 | $5,530.00 Homeowner's exemption | $24,914 Land $5,927 Building $18,987 | $249,140 Land $59,270 Building $189,870 |
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.
FEMA maps place 1863 Locust St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (2008–2013) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Apr 2013 · Severe Storms, Straight-line Winds, And Flooding |
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.
The area around 1863 Locust St 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DES PLAINES serves 60,675 people · EPA ID IL0310630 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jan 2026 |
| Lead | 6 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 499 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Cable | 1,500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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