401 S Emerson St, Mount Prospect, IL 60056 Property Records

Cook County property record for 401 S Emerson St, Mount Prospect, IL 60056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,050 sqft · built 1952
Lot Size	0.224 acres (9,734 sqft)
Owner	Individual Name on Record
Tax Bill	$6,042 (2023)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08-12-304-024`

Property Details

APN / Parcel Number

Primary APN	`08-12-304-024`
Alternative APN	`08-12-304-024-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,050 sqft Living Area
1st Floor Area	1,050 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Bungalow
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	9,734 sqft (0.224 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	401 S EMERSON ST
City	MOUNT PROSPECT
State	IL
Zip	60056-3833
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(PROSPECT)(HIGHLANDS) SUB OF WLY 379.4 FT OF EH OF N 60 RDS OF SW SEC 12-41-11
Legal Range	11E
Legal Township	41N
Legal Section	12
Legal Subdivision	PROSPECT HIGHLANDS
Legal Block	2
Legal Lot Number	1
Jurisdiction	COOK IL
Township / Civil Division	ELK GROVE
Census Block Group	4
Census Block	4005
Census Tract	804901

Owner

Source: Cook County records, as of May 27, 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	401 S EMERSON ST, MOUNT PROSPECT, IL 60056-3833
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage PACOR MORTGAGE CORP
Jul 16, 2021	Deed of Trust, Mortgage THE PENSADOR CORPORATION
May 8, 2020	Deed of Trust, Mortgage · Conventional with PMI WELLS FARGO BK
Feb 21, 2020	Deed of Trust, Mortgage · Conventional with PMI WELLS FARGO BK
Mar 20, 2019	Deed of Trust, Mortgage PENSADOR CORP

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	401 S EMERSON ST, MOUNT PROSPECT, IL 60056-3833
Transaction Type	Mortgage
Record Updated	Oct 18, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027804518
Date	Oct 5, 2021
Instrument	2127804518

Lender

Name	PACOR MORTGAGE CORP
Type	Mortgage Company
Address	OAK FOREST, IL 60452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	401 S EMERSON ST, MOUNT PROSPECT, IL 60056-3833
Transaction Type	Mortgage
Record Updated	Aug 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0019733014
Date	Jul 16, 2021
Instrument	2119733014

Lender

Name	THE PENSADOR CORPORATION
Type	Non-Lending Institution
Address	CHICAGO, IL 60656

Agreement

Amount	Amount Recorded
Term	1 Months
Due	Aug 4, 2021

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	401 S EMERSON ST, MOUNT PROSPECT, IL 60056-3833
Document Number	2021639116
Instrument Date	May 8, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	401 S EMERSON ST MOUNT PROSPECT IL 600563833, MOUNT PROSPECT, IL 60056-3833

Mortgage

Document Number	2021639116
Date	Aug 3, 2020
Instrument	21639116

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Aug 2, 2035

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	401 S EMERSON ST, MOUNT PROSPECT, IL 60056-3833
Document Number	2006510036
Instrument Date	Feb 21, 2020
Transaction Type	Mortgage
Record Updated	Mar 17, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	401 S EMERSON ST MOUNT PROSPECT IL 600563833, MOUNT PROSPECT, IL 60056-3833

Mortgage

Document Number	2006510036
Date	Mar 5, 2020
Instrument	6510036

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Mar 4, 2035

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	401 S EMERSON ST, MOUNT PROSPECT, IL 60056-3833
Document Number	1912033063
Instrument Date	Mar 20, 2019
Transaction Type	Mortgage
Record Updated	May 13, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 S EMERSON ST MOUNT PROSPECT IL 600563833, MOUNT PROSPECT, IL 60056-3833

Mortgage

Document Number	1912033063
Date	Apr 30, 2019
Instrument	12033063

Lender

Name	PENSADOR CORP
Address	5523 N CUMBERLAND AVE # 1211, CHICAGO, IL 60656-1471

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Apr 29, 2020

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Elk Grove Township
Municipality	Mount Prospect Village
Secondary School District	Township High School District 214 (09 - 12)
Elementary School District	Mount Prospect School District 57 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$35,000 (+21.03%) Land $11,681 Building $23,319	$350,000 (+21.03%) Land $116,810 Building $233,190
2023	$6,042.00 (-0.89%)
2022	$6,096.00 Homeowner's exemption Senior Citizen's exemption	$28,918 Land $9,734 Building $19,184	$289,180 Land $97,340 Building $191,840

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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	MOUNT PROSPECT serves 41,000 people · EPA ID IL0311980
Water Source	Purchased surface water from NORTHWEST SUBURBAN MUNICIPAL JAWA
Last State Inspection	Aug 2025
Lead	2 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	11 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 488 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Zentro.

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