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309 Gale Ave, River Forest, IL 60305 Property Records

Cook County property record for 309 Gale Ave, River Forest, IL 60305

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,860 sqft · built 1903
Lot Size0.108 acres (4,700 sqft)
Owner2 Individual Names on File
Last Sale$1,095,000 (Jul 2024)
Tax Bill$1,383 (2023)
Deeds & MortgagesOct 2025 Mortgage
Jan 2022 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN15-12-300-012

Property Details

APN / Parcel Number

Primary APN15-12-300-012
Alternative APN
  • 15-12-300-012-0000

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms9 Rooms
Stories2 Stories
Building Area2,860 sqft Living Area

Exterior

Year BuiltBuilt 1903
Effective Year BuiltEffective 1903
Construction TypeFrame
Roof MaterialAsphalt
Lot Area4,700 sqft (0.108 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC

Location & Zoning

Street Address309 GALE AVE
CityRIVER FOREST
StateIL
Zip60305-2015
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description(GALE) & (BLOCKS) SUB OF WH WH OF SW SEC 12-39-12
Legal Range12E
Legal Township39N
Legal Section12
Legal SubdivisionGALE & BLOCKS
Legal Block2
Legal Lot Number7,8
JurisdictionCOOK IL
Township / Civil DivisionRIVER FOREST
Census Block Group6
Census Block6015
Census Tract812000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually ListedRiver Forest Historic District
listed 1977 · 620 contributing resources · NRIS 77000483

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

309 Gale Ave is owned by two individuals who bought it in July 2024.

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

Owner of Record2 Individual Names on File
Mailing Address307 GALE AVE, RIVER FOREST, IL 60305-2015
Owner TypeIndividual
VestingTenants 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

DateDocument
Oct 22, 2025Deed of Trust, Mortgage · Conventional Mortgage
LOWER LLC
Jan 26, 2022Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Jul 31, 2024Deed, Transfer · Conventional Mortgage
LOWER LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 31, 2024 · Amount on File
Deed SaleJul 31, 2024 · Amount on File
Prior SaleJan 26, 2022
Deed Document Number202430049
Record UpdatedOct 29, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCOOK IL
Property Address309 GALE AVE, RIVER FOREST, IL 60305-2015
Transaction TypeMortgage
Record UpdatedMay 8, 2026
Title CompanyFIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0029520100
DateOct 22, 2025
Instrument2529520100
Lender
NameLOWER LLC
TypeMortgage Company
AddressCOLUMBIA, MD 21044
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueOct 1, 2055
Interest
Rate TypeAdjustable Rate
Rate5.87%
Type Change DateOct 1, 2030
Change Frequency5 Years
Min Rate At Change5.87%
Max Rate At Change7.87%
Index5-Year TN
Margin2
Max Rate10.8%

January 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionCOOK IL
Recording DateJan 26, 2022
Property Address309 GALE AVE, RIVER FOREST, IL 60305-2015
Document Number0002619010
Instrument DateDec 6, 2021
Instrument2202619010
Transaction TypeTransfer
Record UpdatedMay 8, 2026
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address307 GALE AVE, RIVER FOREST, IL 60305-2015

July 2024: Deed, Transfer

Document TypeDeed
JurisdictionCOOK IL
Recording DateJul 31, 2024
Property Address309 GALE AVE, RIVER FOREST, IL 60305-2015
Document Number0021330049
Instrument DateDec 6, 2021
Instrument2421330049
Transaction TypeTransfer
Record UpdatedMay 8, 2026
Title CompanyE-CHICAGO TITLE, CHICAGO TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,095.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address307 GALE AVE, RIVER FOREST, IL 60305-2015

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address307 GALE AVE, RIVER FOREST, IL 60305-2015

Mortgage

Document Number0021330051
DateJul 31, 2024
Instrument2421330051
Lender
NameLOWER LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueAug 1, 2054
Interest
Rate TypeFixed Rate
Rate7.75%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyCook County
County SubdivisionRiver Forest Township
MunicipalityRiver Forest Village
Secondary School DistrictOak Park and River Forest District 200 (09 - 12)
Elementary School DistrictRiver Forest School District 90 (PK - 08)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$29,070 Land $5,053 Building $24,017$290,700 Land $50,530 Building $240,170
2023$1,383.00 (-1.43%)
2022$1,403.00$4,347 Land $4,347$43,470 Land $43,470

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 309 Gale Ave in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective February 11, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 11 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies11 in force
Nearby Flood Claims8 (1979–2020)
Claims Outside the SFHA7 of 8
Most Recent ClaimMay 2020 · rainfall accumulation
Claims by Event
  • Severe Storms And Flooding, Sep 2008 · 2 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

Wildfire risk around 309 Gale Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 94% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemRIVER GROVE
serves 10,282 people · EPA ID IL0312640
Water SourcePurchased surface water from several systems
Last State InspectionDec 2024
Lead6 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 386 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber · Fixed Wireless, DSL in parts of the area		5,000 / 5,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		1,000 / 75
T-Mobile
Fixed Wireless		100 / 20

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