520 E Cross St, Wilmington, IL 60481 Property Records

Will County property record for 520 E Cross St, Wilmington, IL 60481

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · built 1978
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on File
Last Sale	$182,000 (Oct 2022)
Tax Bill	$4,829 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-17-24-307-011`

Property Details

APN / Parcel Number

Primary APN	`03-17-24-307-011`
Alternative APN	`17243070110000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	120 ft deep x 125 ft wide
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	520 E CROSS ST
City	WILMINGTON
State	IL
Zip	60481-1017
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PER PET 87-95 NDA: LOTS 50 51 THE N'LY 8 FT OF LOT 52 IN ROPPS SUB UNIT 1, A SUB OF PRT OF THE THE E1/2 SW1/4 SEC 24, T33N-
Legal Range	09E
Legal Township	33N
Legal Section	24
Legal Subdivision	UNIT #1 OF ROPPS
Legal Lot Number	T 5
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

520 E Cross St is owned and occupied by an individual who bought it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	520 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
Oct 14, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP
Aug 6, 2020	Deed of Trust, Mortgage · FHA Mortgage MERIDIAN HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2022 · Amount on File
Deed Sale	Oct 14, 2022 · Amount on File
Prior Sale	Feb 15, 2005 · Amount on File
Deed Document Number	202275202
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILL IL
Recording Date	Oct 14, 2022
Property Address	520 E CROSS ST, WILMINGTON, IL 60481-1017
Document Number	0000075202
Map Reference	DOC 714534
Instrument Date	Sep 28, 2022
Instrument	R2022075202
Transaction Type	Transfer
Record Updated	Oct 25, 2022
Title Company	FIDELITY NATIONAL TITLE INSURANCE NY, FIDELITY NATIONAL TITLE INS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$182.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2405 MORNING GLORY LN, CREST HILL, IL 60403-8596

Mortgage

Document Number	0000075203
Date	Oct 14, 2022
Instrument	R2022075203

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Fixed Rate
Rate	6.12%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILL IL
Property Address	520 E CROSS ST, WILMINGTON, IL 60481-1017
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ADVANTAGE TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000064461
Date	Aug 6, 2020
Instrument	R2020064461

Lender

Name	MERIDIAN HOME MORTGAGE CORP
Type	Mortgage Company
Address	2157

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

Tax Assessment & Valuation

The 2025 property tax bill for 520 E Cross St was $4,829.

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	$4,829.00	$75,929 (+3.8%) Land $19,780 Building $56,149	$227,787 (+3.8%) Land $59,340 Building $168,447
2024		$73,149 Land $19,056 Building $54,093	$219,447 Land $57,168 Building $162,279
2022	$4,384.00 Homeowner's exemption	$62,758 Land $16,349 Building $46,409	$188,274 Land $49,047 Building $139,227

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 520 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 520 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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