405 Cooper St, Plano, IL 60545 Property Records

Kendall County property record for 405 Cooper St, Plano, IL 60545

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,536 sqft · built 2007
Lot Size	0.179 acres (7,801 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Nov 2025)
Tax Bill	$8,537 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-22-112-002`

Property Details

APN / Parcel Number

Primary APN	`01-22-112-002`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,536 sqft Living Area
Gross Area	2,408 sqft
1st Floor Area	1,536 sqft
Basement Area	432 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Bi-Level
Exterior Material	Concrete
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,801 sqft (0.179 acres)
Lot Dimensions	120 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	405 COOPER ST
City	PLANO
State	IL
Zip	60545-5103
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1578 LAKEWOOD SPRINGS UNIT 6 CITY OF PLANO
Legal Subdivision	LAKEWOOD SPRINGS
Legal Lot Number	1578
Jurisdiction	KENDALL IL
Township / Civil Division	LITTLE ROCK
Census Block Group	2
Census Block	2000
Census Tract	890502

Owner

405 Cooper St is owned and occupied by an individual who bought it in November 2025.

Source: Kendall County records, as of August 11, 2026

Owner of Record	Individual Name on File
Mailing Address	405 COOPER ST, PLANO, IL 60545-5103
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
Sep 29, 2021	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Nov 21, 2025	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2025 · Amount on File
Deed Sale	Nov 21, 2025 · Amount on File
Prior Sale	May 8, 2014
Deed Document Number	202515459
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENDALL IL
Property Address	405 COOPER ST, PLANO, IL 60545-5103
Transaction Type	Mortgage
Record Updated	Dec 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 COOPER ST, PLANO, IL 60545-5103

Mortgage

Document Number	0000025468
Date	Sep 29, 2021
Instrument	202100025468

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	279 Months
Due	Dec 1, 2044

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENDALL IL
Recording Date	Nov 21, 2025
Property Address	405 COOPER ST, PLANO, IL 60545-5103
Document Number	0000015459
Map Reference	DOC 200700012448
Instrument Date	Nov 4, 2025
Instrument	202500015459
Transaction Type	Transfer
Record Updated	Dec 4, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	405 COOPER ST, PLANO, IL 60545-5103

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	565 CONSERVATORY LN, AURORA, IL 60502-8924
Investor	Possibly a Property Investor

Mortgage

Document Number	0000015460
Date	Nov 21, 2025
Instrument	202500015460

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.12%

Tax Assessment & Valuation

The 2025 property tax bill for 405 Cooper St was $8,537, up 2.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Kendall County
County Subdivision	Little Rock Township
Municipality	Plano City
Unified School District	Plano Community Unit School District 88 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,537.00 (+2.12%)	$92,566 (+24.57%) Land $10,918 Building $81,648	$277,698 (+24.57%) Land $32,754 Building $244,944
2024	$8,360.00	$74,311 Land $9,377 Building $64,934	$222,933 Land $28,131 Building $194,802
2022		$60,306 Land $7,610 Building $52,696	$180,918 Land $22,830 Building $158,088

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 405 Cooper St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 18, 2025

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

The area around 405 Cooper 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	PLANO serves 12,600 people · EPA ID IL0930200
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	12 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	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 325 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon, Watch TV.

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