509 Central Ave, Wilmette, IL 60091 Property Records

Cook County property record for 509 Central Ave, Wilmette, IL 60091

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 3,119 sqft · built 1910
Lot Size	0.241 acres (10,500 sqft)
Owner	Individual Name on File
Last Sale	$1,100,000 (Jun 2020)
Tax Bill	$29,654 (2023)
Deeds & Mortgages	Oct 2021 Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-34-212-006`

Property Details

APN / Parcel Number

Primary APN	`05-34-212-006`
Alternative APN	`05-34-212-006-0000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,119 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1911
Exterior Material	Stucco
Roof Material	Asphalt
Lot Area	10,500 sqft (0.241 acres)
Garage Type	Detached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	509 CENTRAL AVE
City	WILMETTE
State	IL
Zip	60091-1945
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L3 B19 DINGEES ADDT TO WILMETTE VIL LAGE S26 & S27 T42N R13E
Legal Range	13E
Legal Township	42N
Legal Section	34
Legal Subdivision	DINGEES ADD TO WILMETTE IN OUILMETTE
Legal Block	19
Legal Lot Number	3
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	2
Census Block	2001
Census Tract	801300

Owner

509 Central Ave is owned and occupied by an individual who bought it in June 2020.

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

Owner of Record	Individual Name on File
Mailing Address	509 CENTRAL AVE, WILMETTE, IL 60091-1945
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Oct 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jun 4, 2020	Warranty Deed, Transfer GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2020 · Amount on File
Deed Sale	Jun 4, 2020 · Amount on File
Prior Sale	Aug 1, 2012 · Amount on File
Deed Document Number	202046356
Prior Transfer Date	Apr 1, 1999
Prior Transfer Doc	0000000087
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	509 CENTRAL AVE, WILMETTE, IL 60091-1945
Transaction Type	Mortgage
Record Updated	Oct 27, 2021
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028721215
Date	Oct 14, 2021
Instrument	2128721215

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Jun 4, 2020
Property Address	509 CENTRAL AVE, WILMETTE, IL 60091-1945
Document Number	2015646356
Instrument Date	Apr 16, 2020
Instrument	15646356
Transaction Type	Transfer
Record Updated	Jun 22, 2020
Title Company	BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,100.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	509 CENTRAL AVE WILMETTE IL 600911945, WILMETTE, IL 60091-1945

Mortgage

Document Number	2015646357
Date	Jun 4, 2020
Instrument	15646357

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 3, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	New Trier Township
Municipality	Wilmette Village
Secondary School District	New Trier Township High School District 203 (09 - 12)
Elementary School District	Wilmette School District 39 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$154,000 Land $34,125 Building $119,875	$1,540,000 Land $341,250 Building $1,198,750
2023	$29,654.00 (+5.74%)
2022	$28,045.00	$134,000 Land $28,875 Building $105,125	$1,340,000 Land $288,750 Building $1,051,250

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 509 Central Ave in Zone X, an area of minimal flood risk.

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 Policies	1 in force

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 509 Central Ave 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	WILMETTE serves 27,650 people · EPA ID IL0313300
Water Source	Surface water
Last State Inspection	Jun 2023
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	3 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 497 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: Astound Broadband, T-Mobile.

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