Cook County property record for 431 E Niagara Ave, Schaumburg, IL 60193
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,102 sqft · built 1960 |
| Lot Size | 0.628 acres (27,337 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,688 (2023) |
| Deeds & Mortgages | Jun 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-35-103-005 |
| Primary APN | 07-35-103-005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,102 sqft Living Area |
| 1st Floor Area | 1,102 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Bungalow |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Asphalt |
| Lot Area | 27,337 sqft (0.628 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 431 E NIAGARA AVE |
|---|---|
| City | SCHAUMBURG |
| State | IL |
| Zip | 60193-4816 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | (BRANIGARS) (MEDINAH) (SUNSET) HILLS SUB IN NW SEC 35-41-10 |
| Legal Range | 10E |
| Legal Township | 41N |
| Legal Section | 35 |
| Legal Subdivision | BRANIGARS MEDINAH SUNSET |
| Legal Lot Number | 31 |
| Jurisdiction | COOK IL |
| Township / Civil Division | SCHAUMBURG |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 804803 |
431 E Niagara Ave is owned and occupied by an individual.
Source: Cook County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 431 E NIAGARA AVE, SCHAUMBURG, IL 60193-4816 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 431 E NIAGARA AVE, SCHAUMBURG, IL 60193-4816 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 431 E NIAGARA AVE, SCHAUMBURG, IL 60193-4816 |
| Document Number | 0017317074 |
|---|---|
| Date | Jun 22, 2022 |
| Instrument | 2217317074 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60606 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 14, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.14% |
| Change Frequency | Monthly |
Source: Cook County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Cook County |
| County Subdivision | Schaumburg Township |
| Secondary School District | Township High School District 211 (09 - 12) |
| Elementary School District | Schaumburg Community Consolidated School District 54 (PK - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $40,000 Land $12,302 Building $27,698 | $400,000 Land $123,020 Building $276,980 | |
| 2023 | $3,688.00 (+0.24%) | ||
| 2022 | $3,679.00 Homeowner's exemption Senior Citizen's exemption | $34,999 Land $10,934 Building $24,065 | $349,990 Land $109,340 Building $240,650 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 431 E Niagara Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.
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 |
| Nearby Flood Claims | 1 (2018) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2018 · 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 risk around 431 E Niagara Ave is low, with less than 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 98% of the US · lower than 86% of Illinois |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 424 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 in parts of the area | 100 / 20 |
May also be available: Verizon.
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