325 Harding Ave, Des Plaines, IL 60016 Property Records

Cook County property record for 325 Harding Ave, Des Plaines, IL 60016

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,655 sqft · built 1944
Lot Size	0.189 acres (8,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$367,500 (Mar 2024)
Tax Bill	$4,769 (2023)
Deeds & Mortgages	Nov 2025 Mortgage Mar 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`09-18-107-006`

Property Details

APN / Parcel Number

Primary APN	`09-18-107-006`
Alternative APN	`09-18-107-006-0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,655 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1945
Architectural Style	Bungalow
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Material	Asphalt
Lot Area	8,250 sqft (0.189 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	325 HARDING AVE
City	DES PLAINES
State	IL
Zip	60016-2914
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(BRANIGARS)(CUMBERLAND) TERRACE SUB IN EH & PT OF LT 1 IN ASSESSORS DIVIN OF NW WH NE SEC 18-41-12
Legal Range	12E
Legal Township	41N
Legal Section	18
Legal Subdivision	BRANIGARS CUMBERLAND
Legal Block	15
Legal Lot Number	1
Jurisdiction	COOK IL
Township / Civil Division	MAINE
Census Block Group	3
Census Block	3011
Census Tract	806102

Owner

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	2 Individual Names on Record
Mailing Address	1824 N PAULINA ST, CHICAGO, IL 60622-1111
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2025	Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING
Mar 19, 2024	Warranty Deed, Transfer · Conventional Mortgage UNITED HOME LOANS INC
Dec 18, 2023	Deed, Transfer · Commercial Mortgage HEARTLAND BANK & TRUST CO
Jul 24, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2024 · Amount on Record
Deed Sale	Mar 19, 2024 · Amount on Record
Prior Sale	Dec 18, 2023 · Amount on Record
Deed Document Number	202429006
Prior Transfer Date	Jun 25, 2019
Prior Transfer Doc	0000049349
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	325 HARDING AVE, DES PLAINES, IL 60016-2914
Transaction Type	Mortgage
Record Updated	Nov 26, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 HARDING AVE, DES PLAINES, IL 60016-2914

Mortgage

Document Number	0031016066
Date	Nov 6, 2025
Instrument	2531016066

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Nov 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.5%

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Mar 19, 2024
Property Address	325 HARDING AVE, DES PLAINES, IL 60016-2914
Document Number	0007929006
Map Reference	DOC 804435
Instrument Date	Feb 22, 2024
Instrument	2407929006
Transaction Type	Transfer
Record Updated	Mar 29, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$367.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	36W995 RED GATE RD, ST CHARLES, IL 60175-6223

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	325 HARDING AVE, DES PLAINES, IL 60016-2914

Mortgage

Document Number	0007929007
Date	Mar 19, 2024
Instrument	2407929007

Lender

Name	UNITED HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Fixed Rate
Rate	7.49%

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	COOK IL
Recording Date	Dec 18, 2023
Property Address	325 HARDING AVE, DES PLAINES, IL 60016-2914
Document Number	0035233050
Map Reference	DOC 804435
Instrument Date	Dec 12, 2023
Instrument	2335233050
Transaction Type	Transfer
Record Updated	Dec 28, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2206 WORTHING DR, NAPERVILLE, IL 60565-3201

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36W995 RED GATE RD, SAINT CHARLES, IL 60175-6223
Investor	Possibly a Property Investor

Mortgage

Document Number	0035233051
Date	Dec 18, 2023
Instrument	2335233051

Lender

Name	HEARTLAND BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 24, 2024

Interest

Rate Type	Adjustable Rate

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COOK IL
Recording Date	Jul 24, 2019
Property Address	325 HARDING AVE, DES PLAINES, IL 60016-2914
Document Number	1920549349
Instrument Date	Jun 25, 2019
Instrument	20549349
Transaction Type	Transfer
Record Updated	Jul 31, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2206 WORTHING DR NAPERVILLE IL 605653201, NAPERVILLE, IL 60565-3201

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		$35,000 (+16.67%) Land $7,425 Building $27,575	$350,000 (+16.67%) Land $74,250 Building $275,750
2023	$4,769.00 (-0.67%)
2022	$4,801.00 (-14.04%) Homeowner's exemption Senior Citizen's exemption	$29,999 (+2.12%) Land $6,187 Building $23,812	$299,990 (+2.12%) Land $61,870 Building $238,120
2021	$5,585.00 Homeowner's exemption Senior Citizen's exemption	$29,375 Land $4,950 Building $24,425	$293,750 Land $49,500 Building $244,250

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 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 Record 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

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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