554 Thatcher Ave, River Forest, IL 60305 Property Records

Cook County property record for 554 Thatcher Ave, River Forest, IL 60305

Property Summary

Property Type	Single Family Home
Details	7 bd · 3 ba · 4,314 sqft · built 1910
Lot Size	0.35 acres (15,230 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,383,000 (Mar 2026)
Tax Bill	$24,722 (2023)
Deeds & Mortgages	Sep 2026 Mortgage Mar 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-11-208-044`

Property Details

APN / Parcel Number

Primary APN	`15-11-208-044`
Alternative APN	`15-11-208-044-0000`

Interior

Bedrooms	7 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	4,314 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Stucco
Roof Material	Asphalt
Lot Area	15,230 sqft (0.35 acres)
Garage Type	Detached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	554 THATCHER AVE
City	RIVER FOREST
State	IL
Zip	60305-1625
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(THATCHERS) RESUB OF PT OF BLKS20&21 & PRIVATE STREET ADJ SAME IN THATCHER PARK SUB OF PT OF EH OF NE SEC 11-39-12
Legal Range	12E
Legal Township	39N
Legal Section	11
Legal Subdivision	THATCHER PARK SUB
Legal Block	20,21
Legal Lot Number	6,7
Jurisdiction	COOK IL
Township / Civil Division	RIVER FOREST
Census Block Group	6
Census Block	6004
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 September 23, 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	554 THATCHER AVE, RIVER FOREST, IL 60305-1625
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Deed of Trust, Mortgage · Balloon Mortgage MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION
Mar 18, 2026	Deed, Transfer · Conventional Mortgage GOLD COAST BANK CHICAGO IL
Jan 19, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jan 24, 2020	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2026 · Amount on Record
Deed Sale	Mar 18, 2026 · Amount on Record
Deed Document Number	202619116
Prior Transfer Date	Dec 17, 2021
Prior Transfer Doc	0000915035
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Recording Date	Sep 15, 2026
Property Address	554 THATCHER AVE, RIVER FOREST, IL 60305-1625
Document Number	0000027048
Instrument Date	Aug 31, 2026
Instrument	202627048
Transaction Type	Mortgage
Record Updated	Sep 23, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	554 THATCHER AVE, RIVER FOREST, IL 60305-1625

Mortgage

Document Number	0000027048,
Date	Sep 15, 2026
Instrument	202627048

Lender

Name	MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2041

Interest

Rate Type	Balloon
Rate	6.13%
Initial Type	Balloon
Max Rate	-1%

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	COOK IL
Recording Date	Mar 18, 2026
Property Address	554 THATCHER AVE, RIVER FOREST, IL 60305-1625
Document Number	0007719116
Map Reference	MB 19 PG 64
Instrument Date	Feb 5, 2026
Instrument	2607719116
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,383.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	554 THATCHER AVE, RIVER FOREST, IL 60305-1625

Mortgage

Document Number	0007719117
Date	Mar 18, 2026
Instrument	2607719117

Lender

Name	GOLD COAST BANK CHICAGO IL
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.62%

Mortgage

Document Number	0009020128
Date	Mar 31, 2026
Instrument	2609020128

Lender

Name	GOLD COAST BANK CHICAGO IL
Type	Bank
Address	CHICAGO, IL 60610

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 20, 2027

Interest

Rate Type	Adjustable Rate

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COOK IL
Recording Date	Jan 19, 2022
Property Address	554 THATCHER AVE, RIVER FOREST, IL 60305-1625
Document Number	0001915035
Instrument Date	Dec 17, 2021
Instrument	2201915035
Transaction Type	Transfer
Record Updated	Feb 24, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	554 THATCHER AVE, RIVER FOREST, IL 60305-1625

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	554 THATCHER AVE, RIVER FOREST, IL 60305-1625
Document Number	2005115043
Instrument Date	Jan 24, 2020
Transaction Type	Mortgage
Record Updated	Feb 28, 2020
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	554 THATCHER AVE RIVER FOREST IL 603051625, RIVER FOREST, IL 60305-1625

Mortgage

Document Number	2005115043
Date	Feb 20, 2020
Instrument	5115043

Lender

Name	FIFTH THIRD BK NA
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 19, 2050

Interest

Rate Type	Adjustable Rate

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		$98,887 (+27.67%) Land $18,276 Building $80,611	$988,870 (+27.67%) Land $182,760 Building $806,110
2023	$24,722.00 (+2.46%)
2022	$24,129.00 Homeowner's exemption	$77,457 Land $15,991 Building $61,466	$774,570 Land $159,910 Building $614,660

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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