514 E Spruce Dr, #1-2B, Palatine, IL 60074 Property Records

Cook County property record for 514 E Spruce Dr, #1-2B, Palatine, IL 60074

Property Summary

Property Type	Condominium
Details	2 bd · 1 ba · 900 sqft · built 1982
Lot Size	1.72 acres (75,094 sqft)
Owner	Individual Name on File
Last Sale	$159,000 (Sep 2023)
Tax Bill	$3,228 (2023)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-02-400-061-1004`

Property Details

APN / Parcel Number

Primary APN	`02-02-400-061-1004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Units	12 Units
Building Area	900 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	514 E SPRUCE DR, 2B
City	PALATINE
State	IL
Zip	60074-2319
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Range	10E
Legal Township	42N
Legal Section	02
Legal Subdivision	PINE CRK CONDO
Legal Lot Number	1-35
Jurisdiction	COOK IL
Township / Civil Division	PALATINE
Census Block Group	2
Census Block	2027
Census Tract	803608

Owner

514 E Spruce Dr, #1-2B is owned by an individual who bought it in September 2023.

Source: Cook County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	514 E SPRUCE DR, 2B, PALATINE, IL 60074-2319
Owner Type	Individual
Vesting	Unmarried Woman

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
Sep 11, 2023	Warranty Deed, Transfer · Conventional Mortgage SOLUTIONS FINANCIAL MORTGAGE COMPAN
Apr 22, 2021	Deed, Transfer · Conventional Mortgage POLISH & SLAVIC FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2023 · Amount on File
Deed Sale	Sep 11, 2023 · Amount on File
Prior Sale	Apr 22, 2021 · Amount on File
Deed Document Number	20238033
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Sep 11, 2023
Property Address	514 E SPRUCE DR APT 2B, 2B, PALATINE, IL 60074-2319
Document Number	0025408033
Map Reference	DOC 25781564
Instrument Date	Aug 28, 2023
Instrument	2325408033
Transaction Type	Transfer
Record Updated	May 8, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$159.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 E WHISPERING OAKS CT, PALATINE, IL 60074-2362

Mortgage

Document Number	0025408034
Date	Sep 11, 2023
Instrument	2325408034

Lender

Name	SOLUTIONS FINANCIAL MORTGAGE COMPAN
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2038

Interest

Rate Type	Fixed Rate
Rate	7%

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	COOK IL
Recording Date	Apr 22, 2021
Property Address	514 E SPRUCE DR APT 2B, 2B, PALATINE, IL 60074-2319
Document Number	0011201303
Instrument Date	Mar 22, 2021
Instrument	2111201303
Transaction Type	Transfer
Record Updated	May 8, 2026
Title Company	ATTORNEY'S TITLE, ATTORNEYS TTL GUARANTY FUND

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$117.50
Amount Accuracy	Rounded by County
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	125 W 55TH ST, WESTMONT, IL 60559-2215

Mortgage

Document Number	0011201304
Date	Apr 22, 2021
Instrument	2111201304

Lender

Name	POLISH & SLAVIC FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	May 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.37%
Max Rate At Change	6.37%
Index	5-Year CMT
Margin	3
Max Rate	9.37%

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 (+38.14%)	$10,903 (+56.65%) Land $288 Building $10,615	$109,030 (+56.65%) Land $2,880 Building $106,150
2021	$2,260.00	$6,960 Land $244 Building $6,716	$69,600 Land $2,440 Building $67,160

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 514 E Spruce Dr, #1-2B 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 514 E Spruce Dr, #1-2B 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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