540 Keystone Ave, River Forest, IL 60305 Property Records

Cook County property record for 540 Keystone Ave, River Forest, IL 60305

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,064 sqft · built 1891
Lot Size	0.211 acres (9,200 sqft)
Owner	Individual Name on Record
Last Sale	$902,500 (Apr 2020)
Tax Bill	$19,077 (2023)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-12-106-011`

Property Details

APN / Parcel Number

Primary APN	`15-12-106-011`
Alternative APN	`15-12-106-011-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,064 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1891
Effective Year Built	Effective 1891
Architectural Style	Old Style
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,200 sqft (0.211 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	540 KEYSTONE AVE
City	RIVER FOREST
State	IL
Zip	60305-1612
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(FOWLER) (BRUNER) & (BODINES) SUB OF SEC12 & SEC 11-39-12
Legal Range	12E
Legal Township	39N
Legal Section	11
Legal Subdivision	FOWLER BRUNER & BODINES
Legal Lot Number	17
Jurisdiction	COOK IL
Township / Civil Division	RIVER FOREST
Census Block Group	6
Census Block	6003
Census Tract	812000

Historic Designation

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

Individually Listed	River Forest Historic District listed 1977 · 620 contributing resources · NRIS 77000483

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

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	540 KEYSTONE AVE, RIVER FOREST, IL 60305-1612
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage PROPER RATE LLC
Apr 23, 2020	Warranty Deed, Transfer GUARANTEED RATE
Oct 10, 2019	Deed of Trust, Mortgage GUARANTEED RATE
Oct 10, 2019	Deed of Trust, Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2020 · Amount on Record
Deed Sale	Apr 23, 2020 · Amount on Record
Prior Sale	Jul 12, 2013 · Amount on Record
Deed Document Number	202020147
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	540 KEYSTONE AVE, RIVER FOREST, IL 60305-1612
Transaction Type	Mortgage
Record Updated	Dec 29, 2021
Title Company	PROPERTY TITLE, PROPER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0034420024
Date	Dec 10, 2021
Instrument	2134420024

Lender

Name	PROPER RATE LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3%

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Apr 23, 2020
Property Address	540 KEYSTONE AVE, RIVER FOREST, IL 60305-1612
Document Number	2011420147
Instrument Date	Apr 9, 2020
Instrument	11420147
Transaction Type	Transfer
Record Updated	May 8, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$903.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2635 N WILTON AVE #1 CHICAGO IL 606146829, 1, CHICAGO, IL 60614-6829

Mortgage

Document Number	2011420148
Date	Apr 23, 2020
Instrument	11420148

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 22, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	540 KEYSTONE AVE, RIVER FOREST, IL 60305-1612
Document Number	2000928002
Instrument Date	Oct 10, 2019
Transaction Type	Mortgage
Record Updated	Jan 24, 2020
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 KEYSTONE AVE RIVER FOREST IL 603051612, RIVER FOREST, IL 60305-1612

Mortgage

Document Number	2000928002
Date	Jan 9, 2020
Instrument	928002

Lender

Name	GUARANTEED RATE

Agreement

Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.25%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	540 KEYSTONE AVE, RIVER FOREST, IL 60305-1612
Document Number	1929413024
Instrument Date	Oct 10, 2019
Transaction Type	Mortgage
Record Updated	Oct 28, 2019
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 KEYSTONE AVE RIVER FOREST IL 603051612, RIVER FOREST, IL 60305-1612

Mortgage

Document Number	1929413024
Date	Oct 21, 2019
Instrument	29413024

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 20, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	River Forest Township
Municipality	River Forest Village
Secondary School District	Oak Park and River Forest District 200 (09 - 12)
Elementary School District	River Forest School District 90 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$73,000 (+8.91%) Land $11,040 Building $61,960	$730,000 (+8.91%) Land $110,400 Building $619,600
2023	$19,077.00 (-7.13%)
2022	$20,541.00 Homeowner's exemption	$67,030 Land $9,660 Building $57,370	$670,300 Land $96,600 Building $573,700

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 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	8 (1979–2020)
Claims Outside the SFHA	7 of 8
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Sep 2008 · 2 claims

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	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	RIVER GROVE serves 10,282 people · EPA ID IL0312640
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2024
Lead	6 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 171 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75

May also be available: AT&T, T-Mobile.

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