640 4th St, Lemont, IL 60439 Property Records

Cook County property record for 640 4th St, Lemont, IL 60439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,434 sqft · built 1985
Lot Size	0.481 acres (20,930 sqft)
Owner	2 Company Names on Record
Tax Bill	$7,000 (2023)
Deeds & Mortgages	Aug 2023 Transfer Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22-28-104-102`

Property Details

APN / Parcel Number

Primary APN	`22-28-104-102`
Alternative APN	`22-28-104-102-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,434 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1988
Architectural Style	Split Level
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	20,930 sqft (0.481 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	640 4TH ST
City	LEMONT
State	IL
Zip	60439-4114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(WOHEAD) RESUB OF LTS 24-28,50-51 IN GEO L BECKERS SU B OF THE EH NW EC 28-37-11
Legal Range	11E
Legal Township	37N
Legal Section	28
Legal Subdivision	WOHEAD RESUB OF LTS 24-28,50-51 IN GEO
Legal Lot Number	24-28
Jurisdiction	COOK IL
Township / Civil Division	LEMONT
Census Block Group	1
Census Block	1001
Census Tract	824003

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	2 Company Names on Record
Mailing Address	640 4TH ST, LEMONT, IL 60439-4114
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Feb 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage HLP MORTGAGE LLC
May 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage HLP MTG LLC
Apr 12, 2017	Deed of Trust, Mortgage · Line of Credit ABRI CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 28, 2025
Transfer Doc	0000020016
Record Updated	Sep 20, 2026

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	COOK IL
Recording Date	Aug 21, 2023
Property Address	640 4TH ST, LEMONT, IL 60439-4114
Document Number	0023306060
Instrument Date	Jul 19, 2023
Instrument	2323306060
Transaction Type	Transfer
Record Updated	Aug 31, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	640 4TH ST, LEMONT, IL 60439-4114

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	640 4TH ST, LEMONT, IL 60439-4114
Transaction Type	Mortgage
Record Updated	Feb 18, 2021
Title Company	CITYWIDE TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003912474
Date	Feb 8, 2021
Instrument	2103912474

Lender

Name	HLP MORTGAGE LLC
Type	Mortgage Company
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	640 4TH ST, LEMONT, IL 60439-4114
Document Number	2016357102
Instrument Date	May 9, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	SNP TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	640 4TH ST LEMONT IL 604394114, LEMONT, IL 60439-4114

Mortgage

Document Number	2016357102
Date	Jun 11, 2020
Instrument	16357102

Lender

Name	HLP MTG LLC
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	640 4TH ST, LEMONT, IL 60439-4114
Document Number	1714557108
Instrument Date	Apr 12, 2017
Transaction Type	Mortgage
Record Updated	Jun 7, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	640 4TH ST LEMONT IL 604394114, LEMONT, IL 60439-4114

Mortgage

Document Number	1714557108
Date	May 25, 2017
Instrument	14557108

Lender

Name	ABRI CU
Type	Credit Union
Address	ROMEOVILLE, IL 60446

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 24, 2037

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	Lemont Township
Municipality	Lemont Village
Elementary School District	Lemont-Bromberek Combined School District 113A (PK - 08)
Secondary School District	Lemont Township High School District 210 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$37,001 (+80.52%) Land $13,605 Building $23,396	$370,010 (+80.52%) Land $136,050 Building $233,960
2023	$7,000.00 (+68.88%)
2022	$4,145.00 (-13.3%)	$20,497 (-13.31%) Land $5,755 Building $14,742	$204,970 (-13.31%) Land $57,550 Building $147,420
2021	$4,781.00 Homeowner's exemption	$23,645 Land $5,755 Building $17,890	$236,450 Land $57,550 Building $178,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 Claims	1 (1979)
Most Recent Claim	Dec 1979 · 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 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	LEMONT serves 18,513 people · EPA ID IL0311620
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	25 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control currently in violation since Jan 2026 Lead public education Aug 2025
Monitoring and Reporting	1 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 484 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Verizon.

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