324 Royal Oak Dr, Steger, IL 60475 Property Records

Cook County property record for 324 Royal Oak Dr, Steger, IL 60475

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,069 sqft · built 1999
Lot Size	1.13 acres (49,322 sqft)
Owner	Individual Name on Record
Last Sale	$329,000 (Mar 2018)
Tax Bill	$11,984 (2023)
Deeds & Mortgages	Oct 2020 Loan Modification Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`32-35-304-001`

Property Details

APN / Parcel Number

Primary APN	`32-35-304-001`
Alternative APN	`32-35-304-001-0000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	3,069 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Multi-Level
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	49,322 sqft
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	324 ROYAL OAK DR
City	STEGER
State	IL
Zip	60475-5975
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	14E
Legal Township	35N
Legal Section	35
Legal Subdivision	ROYAL OAK ESTATES
Legal Lot Number	24
Jurisdiction	COOK IL
Township / Civil Division	BLOOM
Census Block Group	3
Census Block	3038
Census Tract	829700

Owner

Source: Cook County records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	324 ROYAL OAK DR, STEGER, IL 60475-5975
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2020	Loan Modification, Mortgage · Conventional with PMI MIDFIRST BK
Sep 11, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Mar 6, 2018	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2018 · Amount on Record
Deed Sale	Mar 6, 2018 · Amount on Record
Prior Sale	Sep 19, 2002 · Amount on Record
Deed Document Number	20181322
Record Updated	Oct 29, 2026

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	COOK IL
Property Address	324 ROYAL OAK DR, STEGER, IL 60475-5975
Document Number	2031213299
Instrument Date	Oct 2, 2020
Transaction Type	Mortgage
Record Updated	Nov 24, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 ROYAL OAK DR STEGER IL 604755975, STEGER, IL 60475-5975

Mortgage

Document Number	2031213299
Date	Nov 9, 2020
Instrument	31213299

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2050

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	324 ROYAL OAK DR, STEGER, IL 60475-5975
Document Number	2031108196
Instrument Date	Sep 11, 2020
Transaction Type	Mortgage
Record Updated	Nov 20, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 ROYAL OAK DR STEGER IL 604755975, STEGER, IL 60475-5975

Mortgage

Document Number	2031108196
Date	Nov 6, 2020
Instrument	31108196

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Mar 6, 2018
Property Address	324 ROYAL OAK DR, STEGER, IL 60475-5975
Document Number	1806501322
Instrument Date	Feb 17, 2018
Instrument	6501322
Transaction Type	Transfer
Record Updated	Nov 24, 2020
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$329.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 ROYAL OAK DR STEGER IL 604755975, STEGER, IL 60475-5975

Mortgage

Document Number	1806501323
Date	Mar 6, 2018
Instrument	6501323

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2048

Interest

Rate	4.75%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Bloom Township
Municipality	Steger Village
Secondary School District	Bloom Township High School District 206 (09 - 12)
Elementary School District	Steger School District 194 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$35,963 (+55.48%) Land $8,631 Building $27,332	$359,630 (+55.48%) Land $86,310 Building $273,320
2023	$11,984.00 (+27.25%)
2022	$9,418.00	$23,130 Land $7,398 Building $15,732	$231,300 Land $73,980 Building $157,320

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	15 (1979–2008)
Claims Outside the SFHA	3 of 15
Most Recent Claim	Oct 2008 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Sep 2008 · 5 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

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

Wildfire Risk	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 75 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Surf Internet.

Nearby Properties on Royal Oak Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures