522 E Spruce Dr, Apt 1B, Palatine, IL 60074 Property Records

Cook County property record for 522 E Spruce Dr, Apt 1B, Palatine, IL 60074

Property Summary

Property Type	Condominium
Details	2 bd · 1,069 sqft · built 1982
Lot Size	1.72 acres (75,094 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Oct 2026)
Tax Bill	$3,404 (2024)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Jul 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`02-02-400-061-1080`

Property Details

APN / Parcel Number

Primary APN	`02-02-400-061-1080`

Interior

Bedrooms	2 Beds
Total Rooms	5 Rooms
Units	12 Units
Building Area	1,069 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 (1.72 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	522 E SPRUCE DR, 1B
City	PALATINE
State	IL
Zip	60074-2321
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

Source: Cook County records, as of October 13, 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	522 E SPRUCE DR, 1B, PALATINE, IL 60074-2321
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2026	Warranty Deed, Transfer · Conventional Mortgage CME LENDING GROUP LLC
Jul 25, 2023	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2026 · Amount on Record
Deed Sale	Oct 2, 2026 · Amount on Record
Prior Sale	Aug 26, 2025 · Amount on Record
Deed Document Number	202622036
Prior Transfer Date	Jul 12, 2023
Prior Transfer Doc	0000057014
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Oct 2, 2026
Property Address	522 E SPRUCE DR, 1B, PALATINE, IL 60074-2321
Document Number	0000022036
Instrument Date	Sep 18, 2026
Instrument	202627522036
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	ALTIMA TITLE LLC, ALTIMA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28,785.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 E SPRUCE DR, 1B, PALATINE, IL 60074-2321

Mortgage

Document Number	0000022037,
Date	Oct 2, 2026
Instrument	202627522037

Lender

Name	CME LENDING GROUP LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COOK IL
Recording Date	Jul 25, 2023
Property Address	522 E SPRUCE DR APT 1B, 1B, PALATINE, IL 60074-2321
Document Number	0020657014
Map Reference	DOC 25781564
Instrument Date	Jul 24, 2023
Instrument	2320657014
Transaction Type	Transfer
Record Updated	Aug 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	522 E SPRUCE DR # DR1B, DR1B, PALATINE, IL 60074-2321

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	211 E PRAIRIE ST, CRYSTAL LAKE, IL 60014-4438

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		$15,145 (+38.68%) Land $333 Building $14,812	$151,450 (+38.68%) Land $3,330 Building $148,120
2024	$3,404.00 (+132.2%)
2023	$1,466.00 (+7.48%)
2022	$1,364.00	$10,921 (+56.66%) Land $288 Building $10,633	$109,210 (+56.66%) Land $2,880 Building $106,330
2021	Homeowner's exemption Senior Citizen's exemption	$6,971 Land $244 Building $6,727	$69,710 Land $2,440 Building $67,270

Assessed value is set for property tax purposes, not a market price estimate; it is 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
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

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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