414 E Cross St, Wilmington, IL 60481 Property Records

Will County property record for 414 E Cross St, Wilmington, IL 60481

Property Summary

Property Type	Single Family Home
Lot Size	0.27 acres (11,768 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Aug 2024)
Tax Bill	$3,089 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jan 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`03-17-24-306-014`

Property Details

APN / Parcel Number

Primary APN	`03-17-24-306-014`
Alternative APN	`17243060140000`

Exterior

Lot Area	11,768 sqft (0.27 acres)

Location & Zoning

Street Address	414 E CROSS ST
City	WILMINGTON
State	IL
Zip	60481-1015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 71 IN ROPPS SUB UNIT 1, A SUB OF PRT OF THE THE E1/2 SW1/4 SEC 24 T33N-R9E.
Legal Range	09E
Legal Township	33N
Legal Section	24
Legal Subdivision	ROPPS
Legal Lot Number	71
Legal Unit	1
Jurisdiction	WILL IL
Township / Civil Division	WILMINGTON
Census Block Group	2
Census Block	2040
Census Tract	883402

Owner

414 E Cross 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	414 E CROSS ST, WILMINGTON, IL 60481-1015
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
Jun 12, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jan 5, 2022	Deed of Trust, Mortgage · Line of Credit BUSEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2024 · Amount on File
Deed Sale	Aug 1, 2024 · Amount on File
Prior Sale	Mar 26, 2014 · Amount on File
Deed Document Number	202438590
Prior Transfer Date	Mar 21, 2014
Prior Transfer Doc	0000024134
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Recording Date	Jun 12, 2026
Property Address	414 E CROSS ST, WILMINGTON, IL 60481-1015
Document Number	0000035538
Instrument Date	Jun 5, 2026
Instrument	202635538
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 E CROSS ST, WILMINGTON, IL 60481-1015

Mortgage

Document Number	0000035538,
Date	Jun 12, 2026
Instrument	202635538

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	414 E CROSS ST, WILMINGTON, IL 60481-1015
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001722
Date	Jan 5, 2022
Instrument	R2022001722

Lender

Name	BUSEY BANK
Type	Bank
Address	MORRIS, IL 60450

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 414 E Cross St was $3,089.

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	$3,089.00	$59,450 (+63.23%) Land $11,702 Building $47,748	$178,350 (+63.23%) Land $35,106 Building $143,244
2024		$36,422 Land $14,895 Building $21,527	$109,266 Land $44,685 Building $64,581
2022	$2,414.00	$31,248 Land $12,779 Building $18,469	$93,744 Land $38,337 Building $55,407

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 414 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 414 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 63 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: AT&T, Verizon.

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