321 Kromray Rd, Lemont, IL 60439 Property Records

Cook County property record for 321 Kromray Rd, Lemont, IL 60439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,175 sqft · built 1998
Lot Size	0.284 acres (12,375 sqft)
Owner	2 Trust Names on File
Last Sale	$556,000 (Feb 2020)
Tax Bill	$12,261 (2023)
Deeds & Mortgages	Oct 2025 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-21-308-017`

Property Details

APN / Parcel Number

Primary APN	`22-21-308-017`
Alternative APN	`22-21-308-017-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,175 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Multi-Level
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Material	Asphalt
Lot Area	12,375 sqft (0.284 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	321 KROMRAY RD
City	LEMONT
State	IL
Zip	60439-4086
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	11E
Legal Township	37N
Legal Section	21
Legal Subdivision	PUD HIRSEKORN RDG
Legal Lot Number	41
Jurisdiction	COOK IL
Township / Civil Division	LEMONT
Census Block Group	3
Census Block	3012
Census Tract	824004

Owner

321 Kromray Rd is owner-occupied and held in a trust since December 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	321 KROMRAY RD, LEMONT, IL 60439-4086
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Oct 8, 2025	Deed of Trust, Mortgage · Line of Credit HINSDALE BANK & TRUST CO
Feb 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Feb 24, 2020	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2020 · Amount on File
Deed Sale	Feb 24, 2020 · Amount on File
Prior Sale	Dec 8, 2016 · Amount on File
Deed Document Number	202045099
Last Transfer Date	Dec 11, 2024
Transfer Doc	0000020141
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	321 KROMRAY RD, LEMONT, IL 60439-4086
Transaction Type	Mortgage
Record Updated	Oct 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028102232
Date	Oct 8, 2025
Instrument	2528102232

Lender

Name	HINSDALE BANK & TRUST CO
Type	Bank
Address	HINSDALE, IL 60521

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	463 Months
Due	May 1, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	321 KROMRAY RD, LEMONT, IL 60439-4086
Transaction Type	Mortgage
Record Updated	Mar 4, 2021
Title Company	GREATER ILLINOIS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005412348
Date	Feb 23, 2021
Instrument	2105412348

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60612

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Feb 24, 2020
Property Address	321 KROMRAY RD, LEMONT, IL 60439-4086
Document Number	2005545099
Instrument Date	Feb 10, 2020
Instrument	5545099
Transaction Type	Transfer
Record Updated	Mar 4, 2020
Title Company	AMERICAN NATIONAL TITLE INSURANCE CORPORATION, AMERICAN NAT'L TITLE INS CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$556.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1208 S SOMERSET LN WOODRIDGE IL 605177584, WOODRIDGE, IL 60517-7584

Mortgage

Document Number	2005545100
Date	Feb 24, 2020
Instrument	5545100

Lender

Name	GUARANTEED RATE AFFINITY LLC
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 23, 2050

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Lemont Township
Municipality	Lemont Village
Elementary School District	Lemont-Bromberek Combined School District 113A (PK - 08)
Secondary School District	Lemont Township High School District 210 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$59,000 Land $8,044 Building $50,956	$590,000 Land $80,440 Building $509,560
2023	$12,261.00 (+17.47%)
2022	$10,438.00 Homeowner's exemption	$42,996 Land $7,115 Building $35,881	$429,960 Land $71,150 Building $358,810

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 321 Kromray Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1982.

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 Claims	3 (1982–1983)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jul 1983 · rainfall accumulation

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 321 Kromray Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	LEMONT serves 18,513 people · EPA ID IL0311620
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	25 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control currently in violation since Jan 2026 Lead public education Aug 2025
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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