538 Cedar Ln, Lombard, IL 60148 Property Records

DuPage County property record for 538 Cedar Ln, Lombard, IL 60148

Property Summary

Property Type	Single Family Home
Details	2,995 sqft · built 1986
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$515,000 (Jun 2019)
Tax Bill	$14,654 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-09-316-120`

Property Details

APN / Parcel Number

Primary APN	`06-09-316-120`

Interior

Stories	2 Stories
Building Area	2,995 sqft Living Area
Gross Area	4,516 sqft
1st Floor Area	1,521 sqft
2nd Floor Area	1,474 sqft
Basement Area	1,521 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	16.2 ft deep x 5.9 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	538 CEDAR LN
City	LOMBARD
State	IL
Zip	60148-3174
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	CEDAR GROVE ALL
Legal Subdivision	CEDAR GROVE
Legal Lot Number	16
Jurisdiction	DU PAGE IL
Township / Civil Division	YORK
Census Block Group	2
Census Block	2005
Census Tract	843601

Owner

538 Cedar Ln is owned and occupied by two individuals who bought it in June 2019.

Source: DuPage County records, as of August 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	538 CEDAR LN, LOMBARD, IL 60148-3174
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Mar 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jun 4, 2019	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Feb 13, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2019 · Amount on File
Deed Sale	Jun 4, 2019 · Amount on File
Deed Document Number	201943560
Prior Transfer Date	Feb 7, 2018
Prior Transfer Doc	0000013097
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	538 CEDAR LN, LOMBARD, IL 60148-3174
Transaction Type	Mortgage
Record Updated	Dec 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031352
Date	Mar 31, 2020
Instrument	R2020-031352

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	Jun 4, 2019
Property Address	538 CEDAR LN, LOMBARD, IL 60148-3174
Document Number	0000043560
Map Reference	DOC R84-77172
Instrument Date	May 25, 2019
Instrument	R2019-043560
Transaction Type	Transfer
Record Updated	Dec 14, 2021
Title Company	PREMIER TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$515.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	538 CEDAR LN, LOMBARD, IL 60148-3174

Mortgage

Document Number	0000043561
Date	Jun 4, 2019
Instrument	R2019-043561

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.25%

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DU PAGE IL
Recording Date	Feb 13, 2018
Property Address	538 CEDAR LN, LOMBARD, IL 60148-3174
Document Number	0000013097
Instrument Date	Feb 7, 2018
Instrument	13097
Transaction Type	Transfer
Record Updated	Feb 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	538 CEDAR LN LOMBARD IL 601483174, LOMBARD, IL 60148-3174

Tax Assessment & Valuation

The 2025 property tax bill for 538 Cedar Ln was $14,654 with a homeowner's exemption.

Source: DuPage County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	DuPage County
County Subdivision	York Township
Municipality	Lombard Village
Secondary School District	DuPage High School District 88 (09 - 12)
Elementary School District	SD 45 DuPage County (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,654.00	$215,446 Land $31,376 Building $184,070	$646,338 Land $94,128 Building $552,210
2022	$12,953.00 Homeowner's exemption	$177,550 Land $25,860 Building $151,690	$532,650 Land $77,580 Building $455,070

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 538 Cedar Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

Source: FEMA National Flood Hazard Layer, effective September 1, 2025 · 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	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, And 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

The area around 538 Cedar Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land 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	LOMBARD serves 44,476 people · EPA ID IL0430600
Water Source	Purchased surface water from DU PAGE WATER COMMISSION
Last State Inspection	May 2025
Lead	11 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	2 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 581 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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