405 E Cross St, Wilmington, IL 60481 Property Records

Will County property record for 405 E Cross St, Wilmington, IL 60481

Property Summary

Property Type	Single Family Home
Lot Size	0.35 acres (15,068 sqft)
Owner	Individual Name on File
Last Sale	$169,900 (May 2017)
Tax Bill	$5,046 (2025)
Deeds & Mortgages	Apr 2021 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-17-24-308-008`

Property Details

APN / Parcel Number

Primary APN	`03-17-24-308-008`
Alternative APN	`17243080080000`

Exterior

Lot Area	15,068 sqft (0.35 acres)

Location & Zoning

Street Address	405 E CROSS ST
City	WILMINGTON
State	IL
Zip	60481-1016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 29 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 UNIT #1
Legal Lot Number	29
Legal Unit	1
Jurisdiction	WILL IL
Township / Civil Division	WILMINGTON
Census Block Group	2
Census Block	2049
Census Tract	883402

Owner

405 E Cross St is owned and occupied by an individual who acquired it in July 2019.

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

Owner of Record	Individual Name on File
Mailing Address	405 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
Apr 16, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 3, 2017	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2017 · Amount on File
Deed Sale	May 3, 2017 · Amount on File
Prior Sale	Nov 26, 2003 · Amount on File
Deed Document Number	201734574
Last Transfer Date	Jul 30, 2019
Transfer Doc	0000051832
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	405 E CROSS ST, WILMINGTON, IL 60481-1016
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043085
Date	Apr 16, 2021
Instrument	R2021043085

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.37%

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WILL IL
Recording Date	May 3, 2017
Property Address	405 E CROSS ST, WILMINGTON, IL 60481-1016
Document Number	0000034574
Instrument Date	May 1, 2017
Instrument	34574
Transaction Type	Transfer
Record Updated	May 17, 2017
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSURA

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$254.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5746 LAKE POINTE DR PLAINFIELD IL 605866541, PLAINFIELD, IL 60586-6541

Mortgage

Document Number	34575
Date	May 3, 2017
Instrument	34575

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 2, 2047

Interest

Rate Type	Fixed Rate
Rate	4.62%

Tax Assessment & Valuation

The 2025 property tax bill for 405 E Cross St was $5,046.

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	$5,046.00	$78,978 (+3.8%) Land $16,195 Building $62,783	$236,934 (+3.8%) Land $48,585 Building $188,349
2024		$76,087 Land $15,602 Building $60,485	$228,261 Land $46,806 Building $181,455
2022	$4,579.00 Homeowner's exemption	$65,279 Land $13,386 Building $51,893	$195,837 Land $40,158 Building $155,679

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 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 405 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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