520 Russell St, Wheeling, IL 60090 Property Records

Cook County property record for 520 Russell St, Wheeling, IL 60090

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,755 sqft · built 1969
Lot Size	0.521 acres (22,695 sqft)
Owner	2 Individual Names on Record
Last Sale	$520,000 (Nov 2025)
Tax Bill	$10,954 (2023)
Deeds & Mortgages	Aug 2021 Mortgage Jul 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`03-10-305-002`

Property Details

APN / Parcel Number

Primary APN	`03-10-305-002`
Alternative APN	`03-10-305-002-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,755 sqft Living Area
1st Floor Area	1,755 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1970
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	22,695 sqft (0.521 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	520 RUSSELL ST
City	WHEELING
State	IL
Zip	60090-4528
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(ANDERSONS) SUB OF NE SW SEC 10-42-11
Legal Range	11E
Legal Township	42N
Legal Section	10
Legal Subdivision	ANDERSONS SUB
Legal Lot Number	14
Jurisdiction	COOK IL
Township / Civil Division	WHEELING
Census Block Group	3
Census Block	3007
Census Tract	802504

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	71 ELA RD, INVERNESS, IL 60067-4450
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST BANK
Jul 28, 2022	Deed of Trust, Mortgage · Line of Credit MIDWEST BANK
Aug 20, 2024	Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE INC
Nov 3, 2025	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Jun 28, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2025 · Amount on Record
Deed Sale	Nov 3, 2025 · Amount on Record
Prior Sale	Jun 28, 2023 · Amount on Record
Deed Document Number	202514047
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	520 RUSSELL ST, WHEELING, IL 60090-4528
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0022255078
Date	Aug 10, 2021
Instrument	2122255078

Lender

Name	MIDWEST BANK
Type	Bank
Address	MONMOUTH, IL 61462

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	520 RUSSELL ST, WHEELING, IL 60090-4528
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 RUSSELL ST, WHEELING, IL 60090-4528

Mortgage

Document Number	0020933028
Date	Jul 28, 2022
Instrument	2220933028

Lender

Name	MIDWEST BANK
Type	Bank
Address	GALESBURG, IL 61401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	85 Months
Due	Aug 1, 2029

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Change Frequency	Monthly

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	520 RUSSELL ST, WHEELING, IL 60090-4528
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023314585
Date	Aug 20, 2024
Instrument	2423314585

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

Interest

Rate	6.49%

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Nov 3, 2025
Property Address	520 RUSSELL ST, WHEELING, IL 60090-4528
Document Number	0030714047
Instrument Date	Oct 22, 2025
Instrument	2530714047
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	PRECISION TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	520 RUSSELL ST, WHEELING, IL 60090-4528

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	520 RUSSELL ST, WHEELING, IL 60090-4528

Mortgage

Document Number	0030714048
Date	Nov 3, 2025
Instrument	2530714048

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

Interest

Rate	6.25%

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Jun 28, 2023
Property Address	520 RUSSELL ST, WHEELING, IL 60090-4528
Document Number	0017933036
Instrument Date	Jun 16, 2023
Instrument	2317933036
Transaction Type	Transfer
Record Updated	Jul 10, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
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
Address	374 FERNDALE CT APT B1, B1, SCHAUMBURG, IL 60193-2272

Mortgage

Document Number	0017933037
Date	Jun 28, 2023
Instrument	2317933037

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.99%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Wheeling Township
Municipality	Wheeling Village
Secondary School District	Township High School District 214 (09 - 12)
Elementary School District	Wheeling Community Consolidated School District 21 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$43,001 (+19.45%) Land $11,348 Building $31,653	$430,010 (+19.45%) Land $113,480 Building $316,530
2023	$10,954.00 (+5.2%)	$36,000 (-) Land $9,078 Building $26,922	$360,000 (-) Land $90,780 Building $269,220
2022	$10,413.00 (+22.84%)	$36,000 (+37.34%) Land $9,078 Building $26,922	$360,000 (+37.34%) Land $90,780 Building $269,220
2021	$8,477.00 Homeowner's exemption	$26,212 Land $5,673 Building $20,539	$262,120 Land $56,730 Building $205,390

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 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
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	25 (1987–2019)
Claims Outside the SFHA	1 of 25
Most Recent Claim	Jul 2019 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 74% 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	WHEELING serves 39,725 people · EPA ID IL0314970
Water Source	Purchased surface water from NORTHWEST WATER COMMISSION
Last State Inspection	Jul 2025
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jun 2019
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 452 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: T-Mobile.

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