631 Central Ave, Wilmette, IL 60091 Property Records

Cook County property record for 631 Central Ave, Wilmette, IL 60091

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,328 sqft · built 1914
Lot Size	0.241 acres (10,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,450,000 (Sep 2025)
Tax Bill	$23,596 (2023)
Deeds & Mortgages	Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-34-211-001`

Property Details

APN / Parcel Number

Primary APN	`05-34-211-001`
Alternative APN	`05-34-211-001-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,328 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Exterior Material	Stucco
Roof Material	Asphalt
Lot Area	10,500 sqft (0.241 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water

Location & Zoning

Street Address	631 CENTRAL AVE
City	WILMETTE
State	IL
Zip	60091-1947
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(DINGEES) ADD TO (WILMETTE) IN OUILMETTE RESERVE IN S ECS26 & 27 SEC 26-42-13
Legal Range	13E
Legal Township	42N
Legal Section	26
Legal Subdivision	DINGEES ADD TO WILMETTE
Legal Block	20
Legal Lot Number	8
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	2
Census Block	2002
Census Tract	801300

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	6233 S GREENWOOD AVE, CHICAGO, IL 60637-2727
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2025 · Amount on Record
Deed Sale	Sep 24, 2025 · Amount on Record
Prior Sale	Aug 27, 2015 · Amount on Record
Deed Document Number	202523149
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Sep 24, 2025
Property Address	631 CENTRAL AVE, WILMETTE, IL 60091-1947
Document Number	0026723149
Instrument Date	Sep 12, 2025
Instrument	2526723149
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	631 CENTRAL AVE, WILMETTE, IL 60091-1947

Mortgage

Document Number	0026723150
Date	Sep 24, 2025
Instrument	2526723150

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Oct 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.7%
Index	SOFR Average 30-Day
Max Rate	10.7%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	New Trier Township
Municipality	Wilmette Village
Secondary School District	New Trier Township High School District 203 (09 - 12)
Elementary School District	Wilmette School District 39 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$117,500 (+9.5%) Land $34,125 Building $83,375	$1,175,000 (+9.5%) Land $341,250 Building $833,750
2023	$23,596.00 (-4.18%) Homeowner's exemption	$107,302 (-9.13%) Land $28,875 Building $78,427	$1,073,020 (-9.13%) Land $288,750 Building $784,270
2022	$24,626.00 Homeowner's exemption	$118,084 Land $28,875 Building $89,209	$1,180,840 Land $288,750 Building $892,090

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
Nearby Flood Policies	1 in force

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	WILMETTE serves 27,650 people · EPA ID IL0313300
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	6 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	3 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 497 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: Astound Broadband, T-Mobile.

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