306 Harding Ave, Des Plaines, IL 60016 Property Records

Cook County property record for 306 Harding Ave, Des Plaines, IL 60016

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,262 sqft · built 1945
Lot Size	0.189 acres (8,250 sqft)
Owner	Individual Name on File
Last Sale	$285,500 (May 2018)
Tax Bill	$7,244 (2023)
Deeds & Mortgages	Sep 2020 Mortgage Dec 2018 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`09-18-106-016`

Property Details

APN / Parcel Number

Primary APN	`09-18-106-016`
Alternative APN	`09-18-106-016-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,262 sqft Living Area

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Old Style
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Material	Asphalt
Lot Area	8,250 sqft (0.189 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	306 HARDING AVE
City	DES PLAINES
State	IL
Zip	60016-2915
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S18 T41N R12E 3P
Legal Range	12E
Legal Township	41N
Legal Section	18
Legal Subdivision	BRANIGARS CUMBERLAND TERRACE
Legal Block	16
Legal Lot Number	16
Jurisdiction	COOK IL
Township / Civil Division	MAINE
Census Block Group	3
Census Block	3012
Census Tract	806102

Owner

306 Harding Ave is owned and occupied by an individual who bought it in May 2018.

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

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

Owner of Record	Individual Name on File
Mailing Address	306 HARDING AVE, DES PLAINES, IL 60016-2915
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS
Dec 20, 2018	Deed of Trust, Mortgage · Conventional with PMI UNITED WHOLESALE MTG
May 1, 2018	Warranty Deed, Transfer · Conventional with PMI NATIONS DIRECT MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2018 · Amount on File
Deed Sale	May 1, 2018 · Amount on File
Prior Sale	Apr 1, 2010 · Amount on File
Deed Document Number	201847024
Prior Transfer Date	Nov 11, 1999
Prior Transfer Doc	0000000769
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	306 HARDING AVE, DES PLAINES, IL 60016-2915
Document Number	2030662333
Instrument Date	Sep 24, 2020
Transaction Type	Mortgage
Record Updated	Nov 18, 2020
Title Company	CAMBRIDGE TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 HARDING AVE DES PLAINES IL 600162915, DES PLAINES, IL 60016-2915

Mortgage

Document Number	2030662333
Date	Nov 3, 2020
Instrument	30662333

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 2, 2035

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	306 HARDING AVE, DES PLAINES, IL 60016-2915
Document Number	1900308026
Instrument Date	Dec 20, 2018
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	CAMBRIDGE TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	306 HARDING AVE DES PLAINES IL 600162915, DES PLAINES, IL 60016-2915

Mortgage

Document Number	1900308026
Date	Jan 3, 2019
Instrument	308026

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 2, 2049

Interest

Rate	5%

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	May 1, 2018
Property Address	306 HARDING AVE, DES PLAINES, IL 60016-2915
Document Number	1812147024
Instrument Date	Apr 19, 2018
Instrument	12147024
Transaction Type	Transfer
Record Updated	Jan 12, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$285.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 HARDING AVE DES PLAINES IL 600162915, DES PLAINES, IL 60016-2915

Mortgage

Document Number	1812147025
Date	May 1, 2018
Instrument	12147025

Lender

Name	NATIONS DIRECT MTG
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 30, 2048

Interest

Rate Type	Fixed Rate
Rate	5%

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	$7,244.00 (+2.46%)
2022	$7,070.00	$27,477 Land $6,187 Building $21,290	$274,770 Land $61,870 Building $212,900

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 306 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 306 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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