Cook County property record for 3121 Central Ave, Wilmette, IL 60091
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,528 sqft · built 1961 |
| Lot Size | 0.182 acres (7,920 sqft) |
| Owner | Individual Name on File |
| Last Sale | $520,000 (Apr 2019) |
| Tax Bill | $11,702 (2023) |
| Deeds & Mortgages | Aug 2020 Mortgage Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-31-228-001 |
| Primary APN | 05-31-228-001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,528 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Multi-Level |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 7,920 sqft (0.182 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 3121 CENTRAL AVE |
|---|---|
| City | WILMETTE |
| State | IL |
| Zip | 60091-2005 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Range | 13E |
| Legal Township | 42N |
| Legal Section | 31 |
| Legal Subdivision | WILMETTE LARAMIE SUB/4TH ADD |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | COOK IL |
| Township / Civil Division | NEW TRIER |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 800900 |
3121 Central Ave is owned by an individual who bought it in April 2019.
Source: Cook County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 35543 HATTERAS CT, REHOBOTH BEACH, DE 19971-4820 |
| 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 |
|---|---|
| Aug 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage INTERFIRST MTG |
| Mar 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Apr 25, 2019 | Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 25, 2019 · Amount on File |
| Deed Sale | Apr 25, 2019 · Amount on File |
| Deed Document Number | 20196098 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 3121 CENTRAL AVE, WILMETTE, IL 60091-2005 |
| Document Number | 2028721057 |
| Instrument Date | Aug 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3121 CENTRAL AVE WILMETTE IL 600912005, WILMETTE, IL 60091-2005 |
| Document Number | 2028721057 |
|---|---|
| Date | Oct 13, 2020 |
| Instrument | 28721057 |
| Name | INTERFIRST MTG |
|---|---|
| Type | Mortgage Company |
| Address | ROSEMONT, IL 60018 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 12, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 3121 CENTRAL AVE, WILMETTE, IL 60091-2005 |
| Document Number | 2007646142 |
| Instrument Date | Mar 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3121 CENTRAL AVE WILMETTE IL 600912005, WILMETTE, IL 60091-2005 |
| Document Number | 2007646142 |
|---|---|
| Date | Mar 16, 2020 |
| Instrument | 7646142 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 15, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Apr 25, 2019 |
| Property Address | 3121 CENTRAL AVE, WILMETTE, IL 60091-2005 |
| Document Number | 1911506098 |
| Instrument Date | Apr 22, 2019 |
| Instrument | 11506098 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $520.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3121 CENTRAL AVE WILMETTE IL 600912005, WILMETTE, IL 60091-2005 |
| Document Number | 1911506099 |
|---|---|
| Date | Apr 25, 2019 |
| Instrument | 11506099 |
| Name | PROVIDENT FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | PITTSBURGH, PA 15220 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 24, 2034 |
Source: Cook County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Cook County |
| County Subdivision | New Trier Township |
| Municipality | Wilmette Village |
| Elementary School District | Avoca School District 37 (KG - 08) |
| Secondary School District | New Trier Township High School District 203 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $75,000 Land $13,464 Building $61,536 | $750,000 Land $134,640 Building $615,360 | |
| 2023 | $11,702.00 (-2.2%) | ||
| 2022 | $11,965.00 | $56,000 Land $14,256 Building $41,744 | $560,000 Land $142,560 Building $417,440 |
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 3121 Central Ave in Zone X, an area of minimal flood risk, though there have been 26 flood claims nearby since 1978.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 26 (1978–2011) |
| Claims Outside the SFHA | 10 of 26 |
| Most Recent Claim | Jul 2011 · rainfall accumulation |
| Claims by Event |
|
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 3121 Central 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WILMETTE serves 27,650 people · EPA ID IL0313300 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2023 |
| Lead | 6 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 723 locations within half a mile, as of December 31, 2025
| Provider | Max 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 | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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