298 Harding Ave, Des Plaines, IL 60016 Property Records

Cook County property record for 298 Harding Ave, Des Plaines, IL 60016

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,407 sqft · built 1943
Lot Size	0.189 acres (8,250 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Feb 2003)
Tax Bill	$6,600 (2023)
Deeds & Mortgages	Mar 2021 Mortgage Nov 2017 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`09-18-106-015`

Property Details

APN / Parcel Number

Primary APN	`09-18-106-015`
Alternative APN	`09-18-106-015-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,407 sqft Living Area

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Architectural Style	Old Style
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Material	Asphalt
Lot Area	8,250 sqft (0.189 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	298 HARDING AVE
City	DES PLAINES
State	IL
Zip	60016-2913
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(BRANIGARS)(CUMBERLAND) TERRACE SUB IN EH & PT OF LT 1 IN ASSESSORS DIVIN OF NW WH NE SEC 18-41-12
Legal Range	12E
Legal Township	41N
Legal Section	18
Legal Subdivision	BRANIGARS CUMBERLAND
Legal Block	16
Legal Lot Number	1
Jurisdiction	COOK IL
Township / Civil Division	MAINE
Census Block Group	3
Census Block	3012
Census Tract	806102

Owner

298 Harding Ave is owned and occupied by an individual who bought it in February 2003.

Source: Cook County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	298 HARDING AVE, DES PLAINES, IL 60016-2913
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Nov 15, 2017	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2003 · Amount on File
Deed Sale	Feb 3, 2003 · Amount on File
Deed Document Number	200350860
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	298 HARDING AVE, DES PLAINES, IL 60016-2913
Transaction Type	Mortgage
Record Updated	Mar 19, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006446017
Date	Mar 5, 2021
Instrument	2106446017

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	178 Months
Due	Jan 1, 2036

Interest

Rate	2.5%

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	298 HARDING AVE, DES PLAINES, IL 60016-2913
Document Number	1733949226
Instrument Date	Nov 15, 2017
Transaction Type	Mortgage
Record Updated	Dec 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	298 HARDING AVE DES PLAINES IL 600162913, DES PLAINES, IL 60016-2913

Mortgage

Document Number	1733949226
Date	Dec 5, 2017
Instrument	33949226

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 4, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$36,000 Land $7,425 Building $28,575	$360,000 Land $74,250 Building $285,750
2023	$6,600.00 (+2.92%)
2022	$6,413.00 Homeowner's exemption	$28,347 Land $6,187 Building $22,160	$283,470 Land $61,870 Building $221,600

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

FEMA maps place 298 Harding Ave in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 39 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	39 in force
Nearby Flood Claims	29 (1982–2013)
Claims Outside the SFHA	11 of 29
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2008 · 7 claims Severe Storms & Flooding, Aug 1987 · 13 claims

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

The area around 298 Harding Ave 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 517 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	1,000 / 75

May also be available: T-Mobile.

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