644 Merle Ln, Wheeling, IL 60090 Property Records

Cook County property record for 644 Merle Ln, Wheeling, IL 60090 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,074 sqft · built 1956
Lot Size	0.164 acres (7,162 sqft)
Owner	2 Individual Names on File
Last Sale	$262,000 (Apr 2023)
Tax Bill	$7,373 (2023)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`03-10-212-033`

Property Details

APN / Parcel Number

Primary APN	`03-10-212-033`
Alternative APN	`03-10-212-033-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,074 sqft Living Area
1st Floor Area	1,074 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1957
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	7,162 sqft (0.164 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	644 MERLE LN
City	WHEELING
State	IL
Zip	60090-4651
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	11E
Legal Township	42N
Legal Section	10
Legal Subdivision	DUNHURST 02
Legal Block	7
Legal Lot Number	32
Jurisdiction	COOK IL
Township / Civil Division	WHEELING
Census Block Group	2
Census Block	2008
Census Tract	802504

Owner

Source: Cook County records · APN 03-10-212-033

Assessment roll updated May 27, 2026 · Last verified June 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 File
Mailing Address	644 MARIE LN, WHEELING, IL 60090
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 07, 2023	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Dec 15, 2021	Warranty Deed, Transfer · Conventional Mortgage COMPASS MORTGAGE INC
Aug 03, 2021	Deed of Trust, Mortgage · Conventional Mortgage SUN WEST MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 07, 2023 · Amount on Record
Deed Sale	Apr 07, 2023 · Amount on Record
Prior Sale	Dec 15, 2021 · Amount on Record
Deed Document Number	202310000
Record Updated	Sep 20, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Apr 07, 2023
Property Address	644 MERLE LN, WHEELING, IL 60090-4651
Document Number	0009710000
Map Reference	DOC 1602023
Instrument Date	Mar 17, 2023
Instrument	2309710000
Transaction Type	Transfer
Record Updated	Apr 20, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$262.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	644 MERLE LN, WHEELING, IL 60090-4651

Mortgage

Document Number	0009710001
Date	Apr 07, 2023
Instrument	2309710001

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 05, 2053

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	May 01, 2033
Change Frequency	Annually
Min Rate At Change	5%
Max Rate At Change	9%
Index	1-Year T-Bill
Max Rate	13%

Mortgage

Document Number	0009710002
Date	Apr 07, 2023
Instrument	2309710002

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	May 05, 2033

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Dec 15, 2021
Property Address	644 MERLE LN, WHEELING, IL 60090-4651
Document Number	0034933468
Map Reference	DOC 1602023
Instrument Date	Nov 18, 2021
Instrument	2134933468
Transaction Type	Transfer
Record Updated	Dec 24, 2021
Title Company	CAMBRIDGE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$233.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 MERLE LN, WHEELING, IL 60090-4651

Mortgage

Document Number	0034933469
Date	Dec 15, 2021
Instrument	2134933469

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

Interest

Rate Type	Fixed Rate
Rate	3.37%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	644 MERLE LN, WHEELING, IL 60090-4651
Transaction Type	Mortgage
Record Updated	Aug 13, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0021510187
Date	Aug 03, 2021
Instrument	2121510187

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	BUENA PARK, CA 90620

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2051

Interest

Rate Type	Fixed Rate
Rate	3.37%

Tax Assessment & Valuation

Source: Cook County records · Assessment roll updated May 27, 2026 · Last verified June 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$28,001 (+27.28%) Land $5,372 Building $22,629	$280,010 (+27.28%) Land $53,720 Building $226,290
2023	$7,373.00 (+4.86%)
2022	$7,031.00	$21,999 Land $4,655 Building $17,344	$219,990 Land $46,550 Building $173,440

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cook County (17031C), updated February 11, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170318025042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 12 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	23 (1987–2020)
Claims Outside the SFHA	2 of 23
Most Recent Claim	May 2020, river or lake flooding
Claims By Storm	Severe Storms And Flooding, Aug 2007 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 430 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 2,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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