454 E Spruce Dr, #19-3B, Palatine, IL 60074 Property Records

Cook County property record for 454 E Spruce Dr, #19-3B, Palatine, IL 60074

Property Summary

Property Type	Condominium
Details	2 bd · 1,067 sqft · built 1982
Lot Size	1.72 acres (75,094 sqft)
Owner	Individual Name on File
Last Sale	$102,000 (Oct 2018)
Tax Bill	$3,228 (2023)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-02-400-061-1156`

Property Details

APN / Parcel Number

Primary APN	`02-02-400-061-1156`

Interior

Bedrooms	2 Beds
Units	12 Units
Building Area	1,067 sqft Living Area

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Condo/Apartment
Lot Area	75,094 sqft

Location & Zoning

Street Address	454 E SPRUCE DR, 3B
City	PALATINE
State	IL
Zip	60074-2308
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	(PINE) (CREEK) CONDOMINIUM SEC 02-42-10
Legal Range	10E
Legal Township	42N
Legal Section	02
Legal Subdivision	PINE CREEK CONDOMINIUM
Legal Block	400
Legal Lot Number	1156
Jurisdiction	COOK IL
Township / Civil Division	PALATINE
Census Block Group	2
Census Block	2027
Census Tract	803608

Owner

454 E Spruce Dr, #19-3B is owned and occupied by an individual who bought it in October 2018.

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

Owner of Record	Individual Name on File
Mailing Address	454 E SPRUCE DR, 3B, PALATINE, IL 60074-2308
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 16, 2018	Warranty Deed, Transfer · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2018 · Amount on File
Deed Sale	Oct 16, 2018 · Amount on File
Prior Sale	Apr 1, 2010 · Amount on File
Deed Document Number	201846138
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	454 E SPRUCE DR APT 3B, 3B, PALATINE, IL 60074-2308
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	CITYWIDE TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0032333063
Date	Nov 19, 2021
Instrument	2132333063

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 1, 2041

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Oct 16, 2018
Property Address	454 E SPRUCE DR # 19-3B, 19-3B, PALATINE, IL 60074-2308
Document Number	1828946138
Instrument Date	Oct 9, 2018
Instrument	28946138
Transaction Type	Transfer
Record Updated	Oct 25, 2018
Title Company	USI

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$102.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	454 E SPRUCE DR #3B PALATINE IL 600742308, 3B, PALATINE, IL 60074-2308

Mortgage

Document Number	1828946139
Date	Oct 16, 2018
Instrument	28946139

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Palatine Township
Municipality	Palatine Village
Elementary School District	Palatine Community Consolidated School District 15 (PK - 08)
Secondary School District	Township High School District 211 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$15,120 Land $333 Building $14,787	$151,200 Land $3,330 Building $147,870
2023	$3,228.00 (+3.4%)
2022	$3,122.00	$10,903 Land $288 Building $10,615	$109,030 Land $2,880 Building $106,150

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 454 E Spruce Dr, #19-3B in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1978–2013)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jun 2013 · 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

Wildfire risk around 454 E Spruce Dr, #19-3B 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	Indirect 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	PALATINE serves 70,875 people · EPA ID IL0312340
Water Source	Purchased surface water from NORTHWEST WATER COMMISSION
Last State Inspection	Feb 2026
Lead	9 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 189 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon.

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