403 Trout St, Wilmington, IL 60481 Property Records

Will County property record for 403 Trout St, Wilmington, IL 60481

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba
Lot Size	0.557 acres (24,258 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Aug 2024)
Tax Bill	$4,628 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-24-01-305-064`

Property Details

APN / Parcel Number

Primary APN	`08-24-01-305-064`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	24,258 sqft (0.557 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	403 TROUT ST
City	WILMINGTON
State	IL
Zip	60481-1745
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARCEL 1 LOTS 253 254 AND THE E 18 FT OF LOT 255 (EX THE S 110 FT OF SD LOTS) IN LAKEWOOD SHORES 1ST ADDN., A SUB PRT OF THE
Legal Range	09E
Legal Township	32N
Legal Section	12
Legal Subdivision	LAKEWOOD SHORES 1ST ADDN A SHORES
Legal Lot Number	255
Jurisdiction	WILL IL
Township / Civil Division	WESLEY
Census Block Group	2
Census Block	2023
Census Tract	884006

Owner

403 Trout St is owned and occupied by an individual who bought it in August 2024.

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

Owner of Record	Individual Name on File
Mailing Address	403 TROUT ST, WILMINGTON, IL 60481-1745
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
Jul 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST MIDWEST BANK
Aug 31, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST MIDWEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2024 · Amount on File
Deed Sale	Aug 2, 2024 · Amount on File
Prior Sale	Aug 31, 2020 · Amount on File
Deed Document Number	202438782
Prior Transfer Date	Apr 27, 2006
Prior Transfer Doc	0000131783
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	403 TROUT ST, WILMINGTON, IL 60481-1745
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046383
Date	Jul 19, 2019
Instrument	R2019046383

Lender

Name	FIRST MIDWEST BANK
Type	Bank
Address	GURNEE, IL 60031

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.87%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILL IL
Recording Date	Aug 31, 2020
Property Address	403 TROUT ST, WILMINGTON, IL 60481-1745
Document Number	0000072837
Map Reference	MB 26 PG 54
Instrument Date	Jul 9, 2020
Instrument	R2020072837
Transaction Type	Transfer
Record Updated	Nov 4, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$185.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 TROUT ST, WILMINGTON, IL 60481-1745

Mortgage

Document Number	0000072838
Date	Aug 31, 2020
Instrument	R2020072838

Lender

Name	FIRST MIDWEST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.12%

Tax Assessment & Valuation

The 2025 property tax bill for 403 Trout St was $4,628.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,628.00	$79,247 (+8.4%) Land $31,698 Building $47,549	$237,741 (+8.4%) Land $95,094 Building $142,647
2024		$73,106 Land $29,242 Building $43,864	$219,318 Land $87,726 Building $131,592
2022	$4,084.00 Homeowner's exemption	$65,985 Land $26,394 Building $39,591	$197,955 Land $79,182 Building $118,773

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 403 Trout St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	4 (1990–2008)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2008 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2008 · 2 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

Wildfire risk around 403 Trout 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	LAKEWOOD SHORES IMPROVEMENT ASSOCIATION private · serves 868 people · EPA ID IL1975930
Water Source	Purchased surface water from WILMINGTON
Last State Inspection	May 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 181 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Bertram Communications, Verizon, Watch TV.

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