491 E Merle Ln, Wheeling, IL 60090 Property Records

Cook County property record for 491 E Merle Ln, Wheeling, IL 60090

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,126 sqft · built 1956
Lot Size	0.141 acres (6,160 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Aug 2007)
Tax Bill	$5,927 (2023)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-10-408-008`

Property Details

APN / Parcel Number

Primary APN	`03-10-408-008`
Alternative APN	`03-10-408-008-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,126 sqft Living Area
1st Floor Area	1,126 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1957
Architectural Style	Bungalow
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,160 sqft (0.141 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	491 E MERLE LN
City	WHEELING
State	IL
Zip	60090-4721
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	7
Legal Lot Number	8
Legal Unit	3
Jurisdiction	COOK IL
Township / Civil Division	WHEELING
Census Block Group	3
Census Block	3001
Census Tract	802504

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	491 E MERLE LN, WHEELING, IL 60090-4721
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Apr 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2007 · Amount on Record
Deed Sale	Aug 1, 2007 · Amount on Record
Prior Sale	Aug 3, 1999 · Amount on Record
Deed Document Number	200740296
Prior Transfer Date	Jan 16, 2003
Prior Transfer Doc	0000091207
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	491 E MERLE LN, WHEELING, IL 60090-4721
Transaction Type	Mortgage
Record Updated	Jan 11, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036304003
Date	Dec 29, 2021
Instrument	2136304003

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	177 Months
Due	Sep 1, 2036

Interest

Rate	2.37%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	491 E MERLE LN, WHEELING, IL 60090-4721
Document Number	1810949056
Instrument Date	Apr 12, 2018
Transaction Type	Mortgage
Record Updated	Apr 30, 2018
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	491 E MERLE LN WHEELING IL 600904721, WHEELING, IL 60090-4721

Mortgage

Document Number	1810949056
Date	Apr 19, 2018
Instrument	10949056

Lender

Name	FIFTH THIRD MTG
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 18, 2033

Interest

Rate	4.12%

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		$27,000 (+28.57%) Land $4,620 Building $22,380	$270,000 (+28.57%) Land $46,200 Building $223,800
2023	$5,927.00 (+5.5%)
2022	$5,618.00 Homeowner's exemption	$21,000 Land $4,004 Building $16,996	$210,000 Land $40,040 Building $169,960

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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 452 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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