401 Locust Rd, Wilmette, IL 60091 Property Records

Cook County property record for 401 Locust Rd, Wilmette, IL 60091

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,358 sqft · built 1958
Lot Size	0.192 acres (8,378 sqft)
Owner	2 Individual Names on File
Last Sale	$659,000 (Nov 2023)
Tax Bill	$9,913 (2023)
Deeds & Mortgages	Jan 2026 Mortgage Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-32-312-033`

Property Details

APN / Parcel Number

Primary APN	`05-32-312-033`
Alternative APN	`05-32-312-033-0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,358 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1959
Architectural Style	Split Level
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	8,378 sqft (0.192 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	401 LOCUST RD
City	WILMETTE
State	IL
Zip	60091-3020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(SECOND) ADD (HOLLYWOOD) IN (WILMETTE) SUB OF N919.24 FT OF E10ACS OF SW SEC32 TOGETHER WITH N839.80FT OF WH OF LT28 OF COUNT
Legal Range	13E
Legal Township	42N
Legal Section	32
Legal Subdivision	SECOND ADD HOLLYWOOD IN WILMETTE
Legal Lot Number	28
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	4
Census Block	4008
Census Tract	801000

Owner

401 Locust Rd is owned and occupied by two individuals who bought it in November 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	401 LOCUST RD, WILMETTE, IL 60091-3020
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jan 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM FIRST INC
Nov 2, 2023	Warranty Deed, Transfer · Conventional Mortgage ALLY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2023 · Amount on File
Deed Sale	Nov 2, 2023 · Amount on File
Prior Sale	Dec 16, 2003 · Amount on File
Deed Document Number	202313544
Prior Transfer Date	Feb 8, 1995
Prior Transfer Doc	0000000021
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	401 LOCUST RD, WILMETTE, IL 60091-3020
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 LOCUST RD, WILMETTE, IL 60091-3020

Mortgage

Document Number	0000524018
Date	Jan 5, 2026
Instrument	2600524018

Lender

Name	OPTIMUM FIRST INC
Type	Mortgage Company
Address	HUNTINGTON BEACH, CA 92647

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.12%

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Nov 2, 2023
Property Address	401 LOCUST RD, WILMETTE, IL 60091-3020
Document Number	0030613544
Instrument Date	Oct 28, 2023
Instrument	2330613544
Transaction Type	Transfer
Record Updated	Nov 14, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$659.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	707 BROOKVALE TER, GLENCOE, IL 60022-2014

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	401 LOCUST RD, WILMETTE, IL 60091-3020

Mortgage

Document Number	0030613545
Date	Nov 2, 2023
Instrument	2330613545

Lender

Name	ALLY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.75%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	New Trier Township
Municipality	Wilmette Village
Secondary School District	New Trier Township High School District 203 (09 - 12)
Elementary School District	Wilmette School District 39 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$55,000 Land $17,594 Building $37,406	$550,000 Land $175,940 Building $374,060
2023	$9,913.00 (+5.92%)
2022	$9,359.00 (-3.44%)	$46,999 (+15.65%) Land $14,661 Building $32,338	$469,990 (+15.65%) Land $146,610 Building $323,380
2021	$9,692.00 Homeowner's exemption	$40,638 Land $10,472 Building $30,166	$406,380 Land $104,720 Building $301,660

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 401 Locust Rd in Zone X, an area of minimal flood risk, though there have been 19 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
Nearby Flood Policies	6 in force
Nearby Flood Claims	19 (1978–2020)
Claims Outside the SFHA	10 of 19
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 3 claims Severe Storms And Flooding, Sep 2008 · 3 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 401 Locust Rd 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	WILMETTE serves 27,650 people · EPA ID IL0313300
Water Source	Surface water
Last State Inspection	Jun 2023
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	3 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 623 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Astound Broadband, T-Mobile.

Nearby Properties on Locust Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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