Cook County property record for 643 E Monterey Rd, Palatine, IL 60074
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,091 sqft · built 1966 |
| Lot Size | 0.209 acres (9,120 sqft) |
| Owner | Individual Name on File |
| Last Sale | $366,000 (May 2014) |
| Tax Bill | $9,566 (2023) |
| Deeds & Mortgages | Jul 2021 Mortgage Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-11-411-012 |
| Primary APN | 02-11-411-012 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,091 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Multi-Level |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 9,120 sqft (0.209 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 643 E MONTEREY RD |
|---|---|
| City | PALATINE |
| State | IL |
| Zip | 60074-3725 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | (RESEDA) SUB IN SE SEC 11-42-10 |
| Legal Range | 10E |
| Legal Township | 42N |
| Legal Section | 11 |
| Legal Subdivision | RESEDA SUB |
| Legal Lot Number | 245 |
| Jurisdiction | COOK IL |
| Township / Civil Division | PALATINE |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 803605 |
643 E Monterey Rd is owned and occupied by an individual who bought it in May 2014.
Source: Cook County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 643 E MONTEREY RD, PALATINE, IL 60074-3725 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE HOME LOAN EXPERT LLC |
| Aug 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOME LOAN EXPERT LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 14, 2014 · Amount on File |
| Deed Sale | May 14, 2014 · Amount on File |
| Prior Sale | Sep 23, 1997 · Amount on File |
| Deed Document Number | 201417037 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 643 E MONTEREY RD, PALATINE, IL 60074-3725 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | N TITLE COMPANY, SNP TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0020839370 |
|---|---|
| Date | Jul 27, 2021 |
| Instrument | 2120839370 |
| Name | THE HOME LOAN EXPERT LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63144 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 643 E MONTEREY RD, PALATINE, IL 60074-3725 |
| Document Number | 2028722042 |
| Instrument Date | Aug 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2020 |
| Title Company | SNP TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 643 E MONTEREY RD PALATINE IL 600743725, PALATINE, IL 60074-3725 |
| Document Number | 2028722042 |
|---|---|
| Date | Oct 13, 2020 |
| Instrument | 28722042 |
| Name | HOME LOAN EXPERT LLC |
|---|---|
| Address | SAINT LOUIS, MO 63144 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 12, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.87% |
Source: Cook County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Cook County |
| County Subdivision | Palatine Township |
| Municipality | Palatine Village |
| Elementary School District | Palatine Community Consolidated School District 15 (PK - 08) |
| Secondary School District | Township High School District 211 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $48,000 Land $8,664 Building $39,336 | $480,000 Land $86,640 Building $393,360 | |
| 2023 | $9,566.00 (+3.72%) | ||
| 2022 | $9,223.00 Homeowner's exemption | $35,626 Land $7,296 Building $28,330 | $356,260 Land $72,960 Building $283,300 |
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.
FEMA maps place 643 E Monterey Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1986.
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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (1986–2018) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 2018 · 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.
The area around 643 E Monterey Rd has no burnable land within ember reach, so its wildfire risk is not rated.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PALATINE serves 70,875 people · EPA ID IL0312340 |
|---|---|
| Water Source | Purchased surface water from NORTHWEST WATER COMMISSION |
| Last State Inspection | Feb 2026 |
| Lead | 9 ppb (2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 416 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 |
| AT&T DSL | 100 / 20 |
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