640 Mill Cir, Unit 206, Wheeling, IL 60090 Property Records

Cook County property record for 640 Mill Cir, Unit 206, Wheeling, IL 60090

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,600 sqft · built 2000
Lot Size	16.8 acres (732,854 sqft)
Owner	Individual Name on Record
Last Sale	$202,000 (Feb 2021)
Tax Bill	$8,220 (2023)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Mar 2020 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`03-12-300-198-1148`

Property Details

APN / Parcel Number

Primary APN	`03-12-300-198-1148`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Units	20 Units
Building Area	1,600 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Condo/Apartment
Lot Area	732,854 sqft

Location & Zoning

Street Address	640 MILL CIR, 206
City	WHEELING
State	IL
Zip	60090-6389
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Subdivision	RIVER MILL CROSSING CONDOMINIUM
Jurisdiction	COOK IL
Township / Civil Division	WHEELING
Census Block Group	5
Census Block	5000
Census Tract	802505

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	640 MILL CIR, 206, WHEELING, IL 60090-6389
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2021	Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE
Mar 27, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Jul 30, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 10, 2019	Warranty Deed, Transfer CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2021 · Amount on Record
Deed Sale	Feb 25, 2021 · Amount on Record
Prior Sale	Oct 10, 2019 · Amount on Record
Deed Document Number	202110108
Prior Transfer Date	Jan 29, 2020
Prior Transfer Doc	0000057096
Record Updated	Oct 29, 2026

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	COOK IL
Recording Date	Feb 25, 2021
Property Address	640 MILL CIR UNIT 206, 206, WHEELING, IL 60090-6389
Document Number	0005610108
Map Reference	DOC 0046676
Instrument Date	Jan 29, 2021
Instrument	2105610108
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	ATTORNEY'S TITLE, ATTORNEYS TTL GUARANTY FUND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$202.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 MILL CIR UNIT 206, 206, WHEELING, IL 60090-6389

Mortgage

Document Number	0005610109
Date	Feb 25, 2021
Instrument	2105610109

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	640 MILL CIR UNIT 206, 206, WHEELING, IL 60090-6389
Document Number	2020634021
Instrument Date	Mar 27, 2020
Transaction Type	Mortgage
Record Updated	Aug 7, 2020
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 MILL CIR #206 WHEELING IL 600906389, 206, WHEELING, IL 60090-6389

Mortgage

Document Number	2020634021
Date	Jul 24, 2020
Instrument	20634021

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2050

Interest

Rate Type	Adjustable Rate

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COOK IL
Recording Date	Jul 30, 2020
Property Address	640 MILL CIR UNIT 206, 206, WHEELING, IL 60090-6389
Document Number	2021257096
Instrument Date	Jan 29, 2020
Instrument	21257096
Transaction Type	Transfer
Record Updated	Aug 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	640 MILL CIR #206 WHEELING IL 600906389, 206, WHEELING, IL 60090-6389

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Oct 10, 2019
Property Address	640 MILL CIR UNIT 206, 206, WHEELING, IL 60090-6389
Document Number	1928334155
Instrument Date	Aug 16, 2019
Instrument	28334155
Transaction Type	Transfer
Record Updated	Oct 17, 2019
Title Company	CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP

Transaction

Amount	Amount Recorded
Tax	$192.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	707 SPRUCE DR GLENCOE IL 60022, GLENCOE, IL 60022

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Wheeling Township
Municipality	Wheeling Village
Secondary School District	Township High School District 214 (09 - 12)
Elementary School District	Wheeling Community Consolidated School District 21 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$30,387 (+23.89%) Land $4,175 Building $26,212	$303,870 (+23.89%) Land $41,750 Building $262,120
2023	$8,220.00 (+4.86%)
2022	$7,839.00	$24,527 Land $3,363 Building $21,164	$245,270 Land $33,630 Building $211,640

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
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	Low lower than 98% of the US · lower than 86% 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	IL AMERICAN-CHICAGO SUBURBAN private · serves 11,187 people · EPA ID IL0315150
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 156 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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