3645 Highland Ave, Berwyn, IL 60402 Property Records

Cook County property record for 3645 Highland Ave, Berwyn, IL 60402

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 828 sqft · built 1914
Lot Size	0.101 acres (4,410 sqft)
Owner	2 Trust Names on File
Last Sale	$217,000 (Apr 2022)
Tax Bill	$6,322 (2023)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-32-310-013`

Property Details

APN / Parcel Number

Primary APN	`16-32-310-013`
Alternative APN	`16-32-310-013-0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	828 sqft Living Area
1st Floor Area	828 sqft

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	4,410 sqft (0.101 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3645 HIGHLAND AVE
City	BERWYN
State	IL
Zip	60402-3834
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(SUBDIVISION) OF LT 26 SUB OF SH NH E 3/4 SW SEC 32-39-13
Legal Range	13E
Legal Township	39N
Legal Section	32
Legal Subdivision	SUBDIVISION OF LT 26 SUB OF SH NH E 3/
Legal Lot Number	26
Jurisdiction	COOK IL
Township / Civil Division	BERWYN
Census Block Group	1
Census Block	1023
Census Tract	815500

Owner

3645 Highland Ave is owner-occupied and held in a trust since April 2022.

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

Owner of Record	2 Trust Names on File
Mailing Address	3645 HIGHLAND AVE, BERWYN, IL 60402-3834
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2022 · Amount on File
Deed Sale	Apr 29, 2022 · Amount on File
Prior Sale	May 31, 2002
Deed Document Number	20227097
Record Updated	Oct 29, 2026

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	COOK IL
Recording Date	Apr 29, 2022
Property Address	3645 HIGHLAND AVE, BERWYN, IL 60402-3834
Document Number	0011907097
Instrument Date	Apr 22, 2022
Instrument	2211907097
Transaction Type	Transfer
Record Updated	May 10, 2022
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$217.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1100 LAKE ST # ST100C, 1100, OAK PARK, IL 60301-1015

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3645 HIGHLAND AVE, BERWYN, IL 60402-3834

Mortgage

Document Number	0011907098
Date	Apr 29, 2022
Instrument	2211907098

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Interest

Rate	3.99%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Berwyn Township
Municipality	Berwyn City
Elementary School District	Berwyn South School District 100 (PK - 08)
Secondary School District	J. Sterling Morton High School District 201 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$19,726 Land $5,402 Building $14,324	$197,260 Land $54,020 Building $143,240
2023	$6,322.00 (+1.38%)
2022	$6,236.00	$13,724 Land $4,740 Building $8,984	$137,240 Land $47,400 Building $89,840

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 3645 Highland Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 11, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 3645 Highland 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BERWYN serves 57,250 people · EPA ID IL0310210
Water Source	Purchased surface water from CHICAGO
Last State Inspection	Feb 2025
Lead	2 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	6 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 1,177 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
AT&T DSL · Fiber in parts of the area	100 / 20