430 E Merle Ln, Wheeling, IL 60090 Property Records

Cook County property record for 430 E Merle Ln, Wheeling, IL 60090

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 972 sqft · built 1956
Lot Size	0.186 acres (8,105 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Oct 2020)
Tax Bill	$6,367 (2023)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-10-403-018`

Property Details

APN / Parcel Number

Primary APN	`03-10-403-018`
Alternative APN	`03-10-403-018-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	972 sqft Living Area
1st Floor Area	972 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1957
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	8,105 sqft (0.186 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	430 E MERLE LN
City	WHEELING
State	IL
Zip	60090-4722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(DUNHURST) SUB (UNIT3) SUB IN NW SE SEC 10-42-11
Legal Range	11E
Legal Township	42N
Legal Section	10
Legal Subdivision	DUNHURST SUB UNIT3
Legal Block	1
Legal Lot Number	18
Legal Unit	3
Jurisdiction	COOK IL
Township / Civil Division	WHEELING
Census Block Group	3
Census Block	3006
Census Tract	802504

Owner

430 E Merle Ln is owned and occupied by an individual who bought it in October 2020.

Source: Cook County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	430 E MERLE LN, WHEELING, IL 60090-4722
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2020 · Amount on File
Deed Sale	Oct 6, 2020 · Amount on File
Prior Sale	Mar 19, 2013 · Amount on File
Deed Document Number	202021044
Prior Transfer Date	Apr 18, 2007
Prior Transfer Doc	0000033106
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Oct 6, 2020
Property Address	430 E MERLE LN, WHEELING, IL 60090-4722
Document Number	2028021044
Instrument Date	Jul 31, 2020
Instrument	28021044
Transaction Type	Transfer
Record Updated	Oct 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 E MERLE LN WHEELING IL 600904722, WHEELING, IL 60090-4722

Mortgage

Document Number	2028021045
Date	Oct 6, 2020
Instrument	28021045

Lender

Name	MIDWEST CMNTY BK
Type	Bank
Address	FREEPORT, IL 61032

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 5, 2050

Interest

Rate Type	Fixed Rate
Rate	2.37%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Wheeling Township
Municipality	Wheeling Village
Secondary School District	Township High School District 214 (09 - 12)
Elementary School District	Wheeling Community Consolidated School District 21 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$25,000 Land $6,079 Building $18,921	$250,000 Land $60,790 Building $189,210
2023	$6,367.00 (+4.86%)
2022	$6,072.00	$18,999 Land $5,268 Building $13,731	$189,990 Land $52,680 Building $137,310

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 430 E Merle Ln in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 1987.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 14 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	25 (1987–2019)
Claims Outside the SFHA	1 of 25
Most Recent Claim	Jul 2019 · rainfall accumulation

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 430 E Merle 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	WHEELING serves 39,725 people · EPA ID IL0314970
Water Source	Purchased surface water from NORTHWEST WATER COMMISSION
Last State Inspection	Jul 2025
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jun 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 430 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20