408 Oak St, Des Plaines, IL 60016 Property Records

Cook County property record for 408 Oak St, Des Plaines, IL 60016

Property Summary

Property Type	Townhouse
Details	2 bd · 1.5 ba · 1,080 sqft · built 1954
Lot Size	0.059 acres (2,580 sqft)
Owner	Individual Name on File
Last Sale	$233,000 (Sep 2023)
Tax Bill	$5,273 (2023)
Deeds & Mortgages	Sep 2023 Second Mortgage Sep 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (moderate risk)
APN	`09-17-402-138`

Property Details

APN / Parcel Number

Primary APN	`09-17-402-138`
Alternative APN	`09-17-402-138-0000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,080 sqft Living Area

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1955
Architectural Style	Modern
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Tar & Gravel
Lot Area	2,580 sqft (0.059 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	408 OAK ST
City	DES PLAINES
State	IL
Zip	60016-4430
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	(DESPLAINES)(CENTER) SUB IN EH SEC 17-41-12
Legal Range	12E
Legal Township	41N
Legal Section	17
Legal Subdivision	DESPLAINES CENTER
Legal Block	4
Legal Lot Number	9,10
Jurisdiction	COOK IL
Township / Civil Division	MAINE
Census Block Group	2
Census Block	2008
Census Tract	806201

Owner

408 Oak St, a townhouse, is owned by an individual who bought it in September 2023.

Source: Cook County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	454 OAK ST, DES PLAINES, IL 60016-4430
Owner Type	Individual
Vesting	Married

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 8, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage WINTRUST MORTGAGE
Sep 8, 2023	Warranty Deed, Transfer · FHA Mortgage WINTRUST MORTGAGE
May 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Mar 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC
Jun 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Nov 29, 2018	Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2023 · Amount on File
Deed Sale	Sep 8, 2023 · Amount on File
Prior Sale	Nov 29, 2018 · Amount on File
Deed Document Number	20238144
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	408 OAK ST, DES PLAINES, IL 60016-4430
Transaction Type	Mortgage
Record Updated	Sep 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 OAK ST, DES PLAINES, IL 60016-4430

Mortgage

Document Number	0025108146
Date	Sep 8, 2023
Instrument	2325108146

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	60 Months
Due	Sep 1, 2028

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Sep 8, 2023
Property Address	408 OAK ST, DES PLAINES, IL 60016-4430
Document Number	0025108144
Map Reference	DOC 9618025
Instrument Date	Aug 30, 2023
Instrument	2325108144
Transaction Type	Transfer
Record Updated	Sep 20, 2023
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$233.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	408 OAK ST, DES PLAINES, IL 60016-4430

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 OAK ST, DES PLAINES, IL 60016-4430

Mortgage

Document Number	0025108145
Date	Sep 8, 2023
Instrument	2325108145

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	408 OAK ST, DES PLAINES, IL 60016-4430
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	LAKELAND TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012455189
Date	May 4, 2021
Instrument	2112455189

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Interest

Rate	3.5%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	408 OAK ST, DES PLAINES, IL 60016-4430
Document Number	2010403121
Instrument Date	Mar 24, 2020
Transaction Type	Mortgage
Record Updated	Apr 29, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	408 OAK ST DES PLAINES IL 600164430, DES PLAINES, IL 60016-4430

Mortgage

Document Number	2010403121
Date	Apr 13, 2020
Instrument	10403121

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 12, 2050

Interest

Rate Type	Fixed Rate
Rate	3.99%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	408 OAK ST, DES PLAINES, IL 60016-4430
Document Number	1917933273
Instrument Date	Jun 17, 2019
Transaction Type	Mortgage
Record Updated	Jul 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	408 OAK ST DES PLAINES IL 600164430, DES PLAINES, IL 60016-4430

Mortgage

Document Number	1917933273
Date	Jun 28, 2019
Instrument	17933273

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 27, 2049

Interest

Rate	4.87%

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Nov 29, 2018
Property Address	408 OAK ST, DES PLAINES, IL 60016-4430
Document Number	1833341014
Instrument Date	Nov 27, 2018
Instrument	33341014
Transaction Type	Transfer
Record Updated	Dec 7, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	408 OAK ST DES PLAINES IL 600164430, DES PLAINES, IL 60016-4430

Mortgage

Document Number	1833341015
Date	Nov 29, 2018
Instrument	33341015

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 28, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Maine Township
Municipality	Des Plaines City
Elementary School District	Des Plaines Community Consolidated School District 62 (PK - 08)
Secondary School District	Maine Township High School District 207 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$23,000 Land $9,804 Building $13,196	$230,000 Land $98,040 Building $131,960
2023	$5,273.00 (+2.47%)
2022	$5,146.00 (+23.46%)	$20,001 (+47.48%) Land $3,501 Building $16,500	$200,010 (+47.48%) Land $35,010 Building $165,000
2021	$4,168.00	$13,562 Land $1,677 Building $11,885	$135,620 Land $16,770 Building $118,850

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 408 Oak St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 36 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	114 units insured incl. 78 condo units
Nearby Flood Claims	164 (1983–2026)
Claims Outside the SFHA	17 of 164
Most Recent Claim	Apr 2026 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 46 claims Severe Storms And Flooding, Jul 2010 · 60 claims Severe Storms & Flooding, Aug 1987 · 7 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

The area around 408 Oak 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	DES PLAINES serves 60,675 people · EPA ID IL0310630
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2026
Lead	6 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 417 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile, Verizon, Zentro.

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