514 Commons Dr, Shorewood, IL 60404 Property Records

Will County property record for 514 Commons Dr, Shorewood, IL 60404

Property Summary

Property Type	Single Family Home
Details	2,690 sqft
Lot Size	0.252 acres (10,988 sqft)
Owner	Individual Name on Record
Last Sale	$275,490 (Dec 2016)
Tax Bill	$11,194 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-06-09-113-007`

Property Details

APN / Parcel Number

Primary APN	`05-06-09-113-007`

Interior

Building Area	2,690 sqft Living Area

Exterior

Lot Area	10,988 sqft (0.252 acres)
Garage Type	Attached
Garage Area	551 sqft

Location & Zoning

Street Address	514 COMMONS DR
City	SHOREWOOD
State	IL
Zip	60404-6804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 445 IN EDGEWATER UNIT FOUR, A SUB OF PRT OF THE NW1/4 OF SEC 9, T35N-R9E.
Legal Range	09E
Legal Township	35N
Legal Section	09
Legal Subdivision	EDGEWATER
Legal Lot Number	445
Legal Unit	4
Jurisdiction	WILL IL
Township / Civil Division	TROY
Census Block Group	1
Census Block	1008
Census Tract	883216

Owner

Source: Will County records, as of August 24, 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	514 COMMONS DR, SHOREWOOD, IL 60404-6804
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL FEDERAL BANK
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL FEDERAL BANK
Jun 19, 2019	Deed of Trust, Mortgage · Commercial Mortgage MUTUAL FEDERAL BANK
Feb 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES HM EQUITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2016 · Amount on Record
Deed Sale	Dec 28, 2016 · Amount on Record
Deed Document Number	2016104317
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	514 COMMONS DR, SHOREWOOD, IL 60404-6804
Transaction Type	Mortgage
Record Updated	Jul 22, 2021
Title Company	FIDELITY NATIONAL TITLE INSURANCE NY, FIDELITY NATIONAL TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000076098
Date	Jul 13, 2021
Instrument	R2021076098

Lender

Name	MUTUAL FEDERAL BANK
Type	Bank
Address	CHICAGO, IL 60608

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	514 COMMONS DR, SHOREWOOD, IL 60404-6804
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000102432
Date	Nov 16, 2020
Instrument	R2020102432

Lender

Name	MUTUAL FEDERAL BANK
Type	Bank
Address	CHICAGO, IL 60608

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	514 COMMONS DR, SHOREWOOD, IL 60404-6804
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PRAIRIE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038160
Date	Jun 19, 2019
Instrument	R2019038160

Lender

Name	MUTUAL FEDERAL BANK
Type	Bank
Address	CHICAGO, IL 60608

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 1, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Max Rate	18%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	514 COMMONS DR, SHOREWOOD, IL 60404-6804
Document Number	0000013195
Instrument Date	Feb 16, 2018
Transaction Type	Mortgage
Record Updated	Mar 27, 2018
Title Company	NOVAS TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	514 COMMONS DR SHOREWOOD IL 604046804, SHOREWOOD, IL 60404-6804

Mortgage

Document Number	0000013195
Date	Feb 26, 2018
Instrument	13195

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2048

Interest

Rate Type	Fixed Rate
Rate	4.87%

Tax Assessment & Valuation

Source: Will County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Will County
County Subdivision	Troy Township
Municipality	Shorewood Village
Secondary School District	Joliet Township High School District 204 (09 - 12)
Elementary School District	Troy Community Consolidated School District 30C (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,194.00 (+19.25%)	$147,073 (+3.64%) Land $20,056 Building $127,017	$441,219 (+3.64%) Land $60,168 Building $381,051
2024		$141,908 (+23.71%) Land $18,510 Building $123,398	$425,724 (+23.71%) Land $55,530 Building $370,194
2022	$9,387.00 Homeowner's exemption Additional exemption filed	$114,710 Land $15,737 Building $98,973	$344,130 Land $47,211 Building $296,919

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 June 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	10 (1984–2019)
Claims Outside the SFHA	4 of 10
Most Recent Claim	Jun 2019 · other causes
Claims by Event	Severe Storms And Flooding, Jul 1996 · 5 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	Low lower than 99.1% of the US · lower than 94% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SHOREWOOD serves 18,645 people · EPA ID IL1975080
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	2 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 369 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Watch TV Fixed Wireless	400 / 40
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Bertram Communications, Verizon.

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