518 E Cross St, Wilmington, IL 60481 Property Records

Will County property record for 518 E Cross St, Wilmington, IL 60481

Property Summary

Property Type	Single Family Home
Lot Size	0.25 acres (10,887 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (May 2023)
Tax Bill	$4,211 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Nov 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`03-17-24-307-008`

Property Details

APN / Parcel Number

Primary APN	`03-17-24-307-008`
Alternative APN	`17243070080000`

Exterior

Lot Area	10,887 sqft (0.25 acres)

Location & Zoning

Street Address	518 E CROSS ST
City	WILMINGTON
State	IL
Zip	60481-1017
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 53 (EX THE PRT THOF LYG SW'LY OF THE FOLL DESC LN: BEG AT A PT ON THE E'LY LN OF SD LOT 53, TH IS 40 FT NE'LY OF (MSRD AL
Legal Subdivision	ROPPS
Legal Lot Number	53
Legal Unit	1
Jurisdiction	WILL IL
Township / Civil Division	WILMINGTON
Census Block Group	2
Census Block	2040
Census Tract	883402

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Alternate Route 66, Wilmington to Joliet (Additional Documentation) listed 2006 · 8 contributing resources · NRIS 06000381

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

518 E Cross St is owned and occupied by an individual who bought it in May 2023.

Source: Will County records, as of August 24, 2026

Owner of Record	Individual Name on File
Mailing Address	518 E CROSS ST, WILMINGTON, IL 60481-1017
Occupancy	Owner Occupied
Owner Type	Individual

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
May 8, 2023	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Nov 15, 2019	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jan 18, 2018	Warranty Deed, Transfer · Conventional with PMI NUMARK CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2023 · Amount on File
Deed Sale	May 8, 2023 · Amount on File
Prior Sale	Nov 15, 2019 · Amount on File
Deed Document Number	202321679
Prior Transfer Date	Dec 27, 2010
Prior Transfer Doc	0000001434
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILL IL
Recording Date	May 8, 2023
Property Address	518 E CROSS ST, WILMINGTON, IL 60481-1017
Document Number	0000021679
Map Reference	DOC 714634
Instrument Date	Apr 26, 2023
Instrument	R2023021679
Transaction Type	Transfer
Record Updated	May 22, 2023
Title Company	FIDELITY NATIONAL TITLE INS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 E CROSS ST, WILMINGTON, IL 60481-1017

Mortgage

Document Number	0000021680
Date	May 8, 2023
Instrument	R2023021680

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Fixed Rate
Rate	5.87%

Mortgage

Document Number	0000021681
Date	May 8, 2023
Instrument	R2023021681

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2033

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILL IL
Recording Date	Nov 15, 2019
Property Address	518 E CROSS ST, WILMINGTON, IL 60481-1017
Document Number	0000081854
Map Reference	DOC 714634
Instrument Date	Oct 23, 2019
Instrument	R2019081854
Transaction Type	Transfer
Record Updated	Nov 4, 2021
Title Company	FIDELITY NATIONAL TITLE INS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$152.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	518 E CROSS ST, 518, WILMINGTON, IL 60481-1017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	518 E CROSS ST, WILMINGTON, IL 60481-1017

Mortgage

Document Number	0000081855
Date	Nov 15, 2019
Instrument	R2019081855

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.37%

Mortgage

Document Number	0000081856
Date	Nov 15, 2019
Instrument	R2019081856

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILL IL
Recording Date	Jan 18, 2018
Property Address	518 E CROSS ST, WILMINGTON, IL 60481-1017
Document Number	0000004361
Instrument Date	Jan 12, 2018
Instrument	4361
Transaction Type	Transfer
Record Updated	Mar 23, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	153 CYPRESS DR BOLINGBROOK IL 604402815, BOLINGBROOK, IL 60440-2815

Mortgage

Document Number	4362
Date	Jan 18, 2018
Instrument	4362

Lender

Name	NUMARK CU
Type	Credit Union
Address	CREST HILL, IL 60403

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 17, 2048

Interest

Rate Type	Fixed Rate
Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 518 E Cross St was $4,211.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Will County
County Subdivision	Wilmington Township
Municipality	Wilmington City
Unified School District	Wilmington Community Unit School District 209U (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,211.00	$67,241 (+3.8%) Land $15,461 Building $51,780	$201,723 (+3.8%) Land $46,383 Building $155,340
2024		$64,779 Land $14,895 Building $49,884	$194,337 Land $44,685 Building $149,652
2022	$3,829.00 Homeowner's exemption	$55,576 Land $12,779 Building $42,797	$166,728 Land $38,337 Building $128,391

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 518 E Cross St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1984.

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	2 (1984–1990)
Most Recent Claim	Dec 1990 · river or lake flooding

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 518 E Cross St 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	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	WILMINGTON serves 5,700 people · EPA ID IL1971100
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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