396 Thelma Ct, Wheeling, IL 60090 Property Records

Cook County property record for 396 Thelma Ct, Wheeling, IL 60090

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,088 sqft · built 1961
Lot Size	0.138 acres (6,000 sqft)
Owner	2 Individual Names on File
Last Sale	$314,000 (Jan 2026)
Tax Bill	$5,927 (2023)
Deeds & Mortgages	Jul 2021 Mortgage Jan 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-10-114-012`

Property Details

APN / Parcel Number

Primary APN	`03-10-114-012`
Alternative APN	`03-10-114-012-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,088 sqft Living Area
1st Floor Area	1,088 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Bungalow
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,000 sqft (0.138 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	396 THELMA CT
City	WHEELING
State	IL
Zip	60090-4434
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(POPLAR) (GROVE) SUB IN SW NW SEC 10-42-11
Legal Range	11E
Legal Township	42N
Legal Section	10
Legal Subdivision	POPLAR GROVE
Legal Lot Number	59
Jurisdiction	COOK IL
Township / Civil Division	WHEELING
Census Block Group	1
Census Block	1014
Census Tract	802504

Owner

396 Thelma Ct is owned and occupied by two individuals who bought it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	396 THELMA CT, WHEELING, IL 60090-4434
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 21, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 6, 2026	Warranty Deed, Transfer · Conventional Mortgage OCMBC INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2026 · Amount on File
Deed Sale	Jan 6, 2026 · Amount on File
Prior Sale	Jan 12, 2015 · Amount on File
Deed Document Number	202610034
Prior Transfer Date	Nov 24, 2025
Prior Transfer Doc	0000010034
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	396 THELMA CT, WHEELING, IL 60090-4434
Transaction Type	Mortgage
Record Updated	Jan 22, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0020221133
Date	Jul 21, 2021
Instrument	2120221133

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	286 Months
Due	May 1, 2045

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Jan 6, 2026
Property Address	396 THELMA CT, WHEELING, IL 60090-4434
Document Number	0000610034
Instrument Date	Nov 24, 2025
Instrument	2600610034
Transaction Type	Transfer
Record Updated	Jan 22, 2026
Title Company	CITYWIDE TITLE CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$314.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	396 THELMA CT, WHEELING, IL 60090-4434

Mortgage

Document Number	0000610035
Date	Jan 6, 2026
Instrument	2600610035

Lender

Name	OCMBC INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.87%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Wheeling Township
Municipality	Wheeling Village
Secondary School District	Township High School District 214 (09 - 12)
Elementary School District	Wheeling Community Consolidated School District 21 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$28,000 Land $5,400 Building $22,600	$280,000 Land $54,000 Building $226,000
2023	$5,927.00 (+5.5%) Homeowner's exemption	$21,000 (-) Land $4,500 Building $16,500	$210,000 (-) Land $45,000 Building $165,000
2022	$5,618.00 Homeowner's exemption	$21,000 Land $4,500 Building $16,500	$210,000 Land $45,000 Building $165,000

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 396 Thelma Ct in Zone X, an area of minimal flood risk, though there have been 15 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	15 (1978–2011)
Claims Outside the SFHA	1 of 15
Most Recent Claim	Aug 2011 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, Aug 1987 · 4 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

The area around 396 Thelma Ct 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	WHEELING serves 39,725 people · EPA ID IL0314970
Water Source	Purchased surface water from NORTHWEST WATER COMMISSION
Last State Inspection	Jul 2025
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jun 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 538 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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