403 E Cross St, Wilmington, IL 60481 Property Records

Will County property record for 403 E Cross St, Wilmington, IL 60481

Property Summary

Property Type	Single Family Home
Details	3 bd · built 1961
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on File
Last Sale	$106,000 (Aug 2013)
Tax Bill	$4,690 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-17-24-308-007`

Property Details

APN / Parcel Number

Primary APN	`03-17-24-308-007`
Alternative APN	`17243080070000`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Lot Area	7,000 sqft (0.16 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	403 E CROSS ST
City	WILMINGTON
State	IL
Zip	60481-1016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 28 UNIT 1 IN ROPPS SUB UNIT 1, A SUB OF PRT OF THE THE SW1/4 SEC 24 T33N-R9E.
Legal Range	09E
Legal Township	33N
Legal Section	24
Legal Subdivision	ROPPS
Legal Lot Number	28
Legal Unit	1
Jurisdiction	WILL IL
Township / Civil Division	WILMINGTON
Census Block Group	2
Census Block	2049
Census Tract	883402

Owner

403 E Cross St is owned and occupied by an individual who bought it in August 2013.

Source: Will County records, as of August 24, 2026

Owner of Record	Individual Name on File
Mailing Address	403 E CROSS ST, WILMINGTON, IL 60481-1016
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage BUSEY BANK
Dec 10, 2021	Deed of Trust, Mortgage · ARM BUSEY BANK
Nov 4, 2019	Deed of Trust, Mortgage · Line of Credit BUSEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2013 · Amount on File
Deed Sale	Aug 28, 2013 · Amount on File
Prior Sale	May 19, 2008
Deed Document Number	201398592
Prior Transfer Date	Aug 23, 2013
Prior Transfer Doc	0000098592
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	403 E CROSS ST, WILMINGTON, IL 60481-1016
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000075063
Date	Oct 13, 2022
Instrument	R2022075063

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	350 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2031
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.87%
Index	Other
Max Rate	7.87%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	403 E CROSS ST, WILMINGTON, IL 60481-1016
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000132864
Date	Dec 10, 2021
Instrument	R2021132864

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2031
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	7.87%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	403 E CROSS ST, WILMINGTON, IL 60481-1016
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000078448
Date	Nov 4, 2019
Instrument	R2019078448

Lender

Name	BUSEY BANK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Oct 28, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 403 E Cross St was $4,690.

Source: Will County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Will County
County Subdivision	Wilmington Township
Municipality	Wilmington City
Unified School District	Wilmington Community Unit School District 209U (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,690.00	$73,976 (+3.8%) Land $15,461 Building $58,515	$221,928 (+3.8%) Land $46,383 Building $175,545
2024		$71,268 Land $14,895 Building $56,373	$213,804 Land $44,685 Building $169,119
2022	$4,260.00 Homeowner's exemption	$61,144 Land $12,779 Building $48,365	$183,432 Land $38,337 Building $145,095

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

Flood

FEMA maps place 403 E Cross St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1984.

Source: FEMA National Flood Hazard Layer, effective June 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 Claims	2 (1984–1990)
Most Recent Claim	Dec 1990 · river or lake flooding

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

Wildfire risk around 403 E Cross St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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	WILMINGTON serves 5,700 people · EPA ID IL1971100
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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