404 Stephen St, Lemont, IL 60439 Property Records

Cook County property record for 404 Stephen St, Lemont, IL 60439

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,256 sqft · built 1891
Lot Size	0.312 acres (13,596 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Mar 2024)
Tax Bill	$5,403 (2023)
Deeds & Mortgages	Mar 2024 Sale & Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-20-440-011`

Property Details

APN / Parcel Number

Primary APN	`22-20-440-011`
Alternative APN	`22-20-440-011-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,256 sqft Living Area
1st Floor Area	1,256 sqft

Exterior

Year Built	Built 1891
Effective Year Built	Effective 1891
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Roof Material	Tar & Gravel
Lot Area	13,596 sqft (0.312 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water

Location & Zoning

Street Address	404 STEPHEN ST
City	LEMONT
State	IL
Zip	60439-4053
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N J (BROWNS) ADD TO (LEMONT) SEC 20-37-11
Legal Range	11E
Legal Township	37N
Legal Section	20
Legal Subdivision	BROWNS ADD TO LEMONT
Legal Block	16
Legal Lot Number	3
Jurisdiction	COOK IL
Township / Civil Division	LEMONT
Census Block Group	1
Census Block	1008
Census Tract	824003

Owner

404 Stephen St is owned and occupied by two individuals who bought it in March 2024.

Source: Cook County records, as of August 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	404 STEPHEN ST, LEMONT, IL 60439-4053
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
Mar 6, 2024	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD LOANS
Mar 3, 2020	Warranty Deed, Transfer · FHA Mortgage PLATINUM HM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2024 · Amount on File
Deed Sale	Mar 6, 2024 · Amount on File
Prior Sale	Mar 3, 2020 · Amount on File
Deed Document Number	20247154
Record Updated	Sep 20, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Mar 6, 2024
Property Address	404 STEPHEN ST, LEMONT, IL 60439-4053
Document Number	0006607154
Map Reference	MB 16 PG 27
Instrument Date	Jan 31, 2024
Instrument	2406607154
Transaction Type	Transfer
Record Updated	Mar 14, 2024
Title Company	FIDELITY NATIONAL TITLE INS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	404 STEPHEN ST, LEMONT, IL 60439-4053

Mortgage

Document Number	0006607155
Date	Mar 6, 2024
Instrument	2406607155

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2054

Mortgage

Document Number	0006607156
Date	Mar 6, 2024
Instrument	2406607156

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Mar 1, 2034

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	404 STEPHEN ST, LEMONT, IL 60439-4053
Transaction Type	Mortgage
Record Updated	May 19, 2021
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013039078
Date	May 10, 2021
Instrument	2113039078

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.25%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Mar 3, 2020
Property Address	404 STEPHEN ST, LEMONT, IL 60439-4053
Document Number	2006346403
Instrument Date	Feb 18, 2020
Instrument	6346403
Transaction Type	Transfer
Record Updated	Mar 17, 2020
Title Company	ATTORNEY'S TITLE, ATTORNEYS TITLE GUARANTY FUND

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$246.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	220 CASS ST LEMONT IL 604394059, LEMONT, IL 60439-4059

Mortgage

Document Number	2006346404
Date	Mar 3, 2020
Instrument	6346404

Lender

Name	PLATINUM HM MTG
Type	Mortgage Company
Address	ROLLING MEADOWS, IL 60008

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 2, 2050

Interest

Rate Type	Fixed Rate
Rate	4.37%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Lemont Township
Municipality	Lemont Village
Elementary School District	Lemont-Bromberek Combined School District 113A (PK - 08)
Secondary School District	Lemont Township High School District 210 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$26,001 Land $8,498 Building $17,503	$260,010 Land $84,980 Building $175,030
2023	$5,403.00 (+2.76%)
2022	$5,258.00 (+3.16%) Homeowner's exemption	$21,658 (-) Land $7,477 Building $14,181	$216,580 (-) Land $74,770 Building $141,810
2021	$5,097.00 Homeowner's exemption	$21,658 Land $7,477 Building $14,181	$216,580 Land $74,770 Building $141,810

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 404 Stephen St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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 Claims	1 (1979)
Most Recent Claim	Dec 1979 · rainfall accumulation

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 404 Stephen St 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	LEMONT serves 18,513 people · EPA ID IL0311620
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	25 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control currently in violation since Jan 2026 Lead public education Aug 2025
Monitoring and Reporting	1 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 244 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL	100 / 20

May also be available: T-Mobile, Verizon.

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