438 Oak St, Des Plaines, IL 60016 Property Records

Cook County property record for 438 Oak St, Des Plaines, IL 60016

Property Summary

Property Type	Townhouse
Details	2 bd · 1.5 ba · 1,036 sqft · built 1954
Lot Size	0.071 acres (3,105 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Aug 2020)
Tax Bill	$5,273 (2023)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-17-402-145`

Property Details

APN / Parcel Number

Primary APN	`09-17-402-145`
Alternative APN	`09-17-402-145-0000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,036 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	3,105 sqft (0.071 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	438 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	4,4
Legal Lot Number	14,15
Jurisdiction	COOK IL
Township / Civil Division	MAINE
Census Block Group	2
Census Block	2008
Census Tract	806201

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	438 OAK ST, DES PLAINES, IL 60016-4430
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2020	Warranty Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG
Dec 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage SOLUTIONS FIN'L MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2020 · Amount on Record
Deed Sale	Aug 17, 2020 · Amount on Record
Prior Sale	Apr 16, 2014 · Amount on Record
Deed Document Number	20207549
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Aug 17, 2020
Property Address	438 OAK ST, DES PLAINES, IL 60016-4430
Document Number	2023007549
Instrument Date	Jun 30, 2020
Instrument	23007549
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	3917 N KEDZIE AVE #1S CHICAGO IL 606183415, 1S, CHICAGO, IL 60618-3415

Mortgage

Document Number	2023007550
Date	Aug 17, 2020
Instrument	23007550

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 16, 2050

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	438 OAK ST, DES PLAINES, IL 60016-4430
Document Number	1834512045
Instrument Date	Dec 4, 2018
Transaction Type	Mortgage
Record Updated	Dec 24, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	438 OAK ST DES PLAINES IL 600164430, DES PLAINES, IL 60016-4430

Mortgage

Document Number	1834512045
Date	Dec 11, 2018
Instrument	34512045

Lender

Name	SOLUTIONS FIN'L MTG
Type	Mortgage Company
Address	GLENVIEW, IL 60026-8021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2048

Interest

Rate Type	Fixed Rate
Rate	5.62%

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		$21,000 (+5.01%) Land $11,498 Building $9,502	$210,000 (+5.01%) Land $114,980 Building $95,020
2023	$5,273.00 (+2.47%)
2022	$5,146.00 Homeowner's exemption	$19,999 Land $3,499 Building $16,500	$199,990 Land $34,990 Building $165,000

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

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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