643 Illinois Rd, Wilmette, IL 60091 Property Records

Cook County property record for 643 Illinois Rd, Wilmette, IL 60091

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,532 sqft · built 1931
Lot Size	0.376 acres (16,380 sqft)
Owner	Individual Name on File
Last Sale	$580,000 (Jun 2010)
Tax Bill	$12,863 (2023)
Deeds & Mortgages	Apr 2022 Line of Credit Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-32-200-032`

Property Details

APN / Parcel Number

Primary APN	`05-32-200-032`
Alternative APN	`05-32-200-032-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,532 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1932
Architectural Style	Bungalow
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Material	Asphalt
Lot Area	16,380 sqft (0.376 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	643 ILLINOIS RD
City	WILMETTE
State	IL
Zip	60091-2210
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(COUNTY)(CLERKS) DIVN OF SEC 32-42-13
Legal Range	13E
Legal Township	42N
Legal Section	32
Legal Subdivision	COUNTY CLERKS DIVN OF SEC 32-42-13
Legal Lot Number	52
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	4
Census Block	4000
Census Tract	801000

Owner

643 Illinois Rd is owned and occupied by an individual who bought it in June 2010.

Source: Cook County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	643 ILLINOIS RD, WILMETTE, IL 60091-2210
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2022	Deed of Trust, Mortgage · Line of Credit CONSUMERS CU
Apr 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage CONSUMERS CU
May 3, 2018	Deed of Trust, Mortgage · Line of Credit FIRST MIDWEST BK
May 3, 2017	Warranty Deed, Transfer · Conventional Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2010 · Amount on File
Deed Sale	Jun 11, 2010 · Amount on File
Prior Sale	Dec 14, 2000 · Amount on File
Deed Document Number	201026221
Prior Transfer Date	Jun 28, 1996
Prior Transfer Doc	0000000327
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	643 ILLINOIS RD, WILMETTE, IL 60091-2210
Transaction Type	Mortgage
Record Updated	May 11, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011601316
Date	Apr 26, 2022
Instrument	2211601316

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	GURNEE, IL 60031

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	May 20, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	643 ILLINOIS RD, WILMETTE, IL 60091-2210
Transaction Type	Mortgage
Record Updated	May 11, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0011601315
Date	Apr 26, 2022
Instrument	2211601315

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	GURNEE, IL 60031

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	May 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.87%
Max Rate At Change	8.25%
Index	Other
Max Rate	8.25%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	643 ILLINOIS RD, WILMETTE, IL 60091-2210
Document Number	1814234024
Instrument Date	May 3, 2018
Transaction Type	Mortgage
Record Updated	Jun 1, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	643 ILLINOIS RD WILMETTE IL 600912210, WILMETTE, IL 60091-2210

Mortgage

Document Number	1814234024
Date	May 22, 2018
Instrument	14234024

Lender

Name	FIRST MIDWEST BK
Type	Bank
Address	ITASCA, IL 60143

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 21, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.75%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	May 3, 2017
Property Address	643 ILLINOIS RD, WILMETTE, IL 60091-2210
Document Number	1712306016
Instrument Date	Apr 25, 2017
Instrument	12306016
Transaction Type	Transfer
Record Updated	Jan 10, 2020
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	307 CENTRAL PARK AVE WILMETTE IL 600913205, WILMETTE, IL 60091-3205

Mortgage

Document Number	1712306017
Date	May 3, 2017
Instrument	12306017

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 2, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%

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		$65,000 Land $32,989 Building $32,011	$650,000 Land $329,890 Building $320,110
2023	$12,863.00 (+5.86%)
2022	$12,151.00 Homeowner's exemption	$60,000 Land $28,665 Building $31,335	$600,000 Land $286,650 Building $313,350

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

FEMA maps place 643 Illinois Rd in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1978.

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	6 in force
Nearby Flood Claims	19 (1978–2020)
Claims Outside the SFHA	10 of 19
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 3 claims Severe Storms And Flooding, Sep 2008 · 3 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

Wildfire risk around 643 Illinois Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% 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	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 400 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

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