425 Cedar Ln, Frankfort, IL 60423 Property Records

Will County property record for 425 Cedar Ln, Frankfort, IL 60423

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,012 sqft · built 1975
Lot Size	0.3 acres (13,272 sqft)
Owner	Trust Name on File
Last Sale	$300,000 (Jul 2019)
Tax Bill	$10,583 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19-09-21-124-003`

Property Details

APN / Parcel Number

Primary APN	`19-09-21-124-003`
Alternative APN	`09211240030000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,012 sqft Living Area
Basement Area	506 sqft
Unfinished Basement	506 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Other
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,272 sqft (0.3 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	425 CEDAR LN
City	FRANKFORT
State	IL
Zip	60423-1003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20 IN CONNECTICUT HILLS SUB, BEING A SUB OF PRT OF THE W1/2 OF THE NW1/4 OF SEC. 21, T35N-R12E.
Legal Range	12E
Legal Township	35N
Legal Section	21
Legal Subdivision	CONNECTICUT HILLS
Legal Lot Number	20
Jurisdiction	WILL IL
Township / Civil Division	FRANKFORT
Census Block Group	3
Census Block	3012
Census Tract	883515

Owner

425 Cedar Ln is owner-occupied and held in a trust since July 2019.

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

Owner of Record	Trust Name on File
Mailing Address	425 CEDAR LN, FRANKFORT, IL 60423-1003
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Nov 1, 2023	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Jul 29, 2019	Grant Deed, Transfer MICHAEL O'SULLIVAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2019 · Amount on File
Deed Sale	Jul 29, 2019 · Amount on File
Prior Sale	Apr 1, 1988 · Amount on File
Deed Document Number	201948991
Prior Transfer Date	Feb 20, 2013
Prior Transfer Doc	0000026514
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	425 CEDAR LN, FRANKFORT, IL 60423-1003
Transaction Type	Mortgage
Record Updated	Nov 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 CEDAR LN, FRANKFORT, IL 60423-1003

Mortgage

Document Number	0000057383
Date	Nov 1, 2023
Instrument	R2023057383

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WILL IL
Recording Date	Jul 29, 2019
Property Address	425 CEDAR LN, FRANKFORT, IL 60423-1003
Document Number	0000048991
Instrument Date	Jul 22, 2019
Instrument	48991
Transaction Type	Transfer
Record Updated	Aug 13, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	20237 PEPPERWOOD CT FRANKFORT IL 604238178, FRANKFORT, IL 60423-8178

Mortgage

Document Number	48992
Date	Jul 29, 2019
Instrument	48992

Lender

Name	MICHAEL O'SULLIVAN
Address	17910 SETTLER POND WAY # 3C, THORNTON, IL 60476

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 28, 2049

Interest

Rate	18%

Tax Assessment & Valuation

The 2025 property tax bill for 425 Cedar Ln was $10,583.

Source: Will County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Will County
County Subdivision	Frankfort Township
Municipality	Frankfort Village
Elementary School District	Frankfort Community Consolidated School District 157C (PK - 08)
Secondary School District	Lincoln Way Community High School District 210 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,583.00	$144,933 (+6.6%) Land $22,839 Building $122,094	$434,799 (+6.6%) Land $68,517 Building $366,282
2024		$135,960 Land $21,425 Building $114,535	$407,880 Land $64,275 Building $343,605
2022	$8,877.00 Homeowner's exemption	$110,599 Land $17,429 Building $93,170	$331,797 Land $52,287 Building $279,510

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 425 Cedar Ln in Zone X, an area of minimal flood risk.

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 Policies	2 in force

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 425 Cedar Ln 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	FRANKFORT serves 24,000 people · EPA ID IL1970400
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 372 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: Bertram Communications.

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