645 Custer Ave, Unit 103, Evanston, IL 60202 Property Records

Cook County property record for 645 Custer Ave, Unit 103, Evanston, IL 60202

Property Summary

Property Type	Condominium
Details	2 bd · 1,425 sqft · built 2008
Lot Size	0.375 acres (16,326 sqft)
Owner	2 Trust Names on File
Last Sale	$490,000 (Jan 2026)
Tax Bill	$7,330 (2023)
Deeds & Mortgages	Jan 2026 Sale Nov 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-19-406-026-1003`

Property Details

APN / Parcel Number

Primary APN	`11-19-406-026-1003`

Interior

Bedrooms	2 Beds
Units	12 Units
Building Area	1,425 sqft Living Area

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Condo/Apartment
Lot Area	16,326 sqft (0.375 acres)

Location & Zoning

Street Address	645 CUSTER AVE, 103
City	EVANSTON
State	IL
Zip	60202-2350
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Subdivision	CORNERSTONE CONDO
Jurisdiction	COOK IL
Township / Civil Division	EVANSTON
Census Block Group	1
Census Block	1009
Census Tract	810100

Owner

645 Custer Ave, Unit 103 is held in a trust since January 2026.

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

Owner of Record	2 Trust Names on File
Mailing Address	8158 FLORAL AVE, SKOKIE, IL 60077-2401
Owner Type	Company
Vesting	Trust

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
Jan 23, 2026	Deed, Transfer CITYWIDE TITLE CORPORATION
Nov 4, 2025	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
Jul 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 17, 2019	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2026 · Amount on File
Deed Sale	Jan 23, 2026 · Amount on File
Prior Sale	Jul 17, 2019 · Amount on File
Deed Document Number	202610107
Record Updated	Sep 20, 2026

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	COOK IL
Recording Date	Jan 23, 2026
Property Address	645 CUSTER AVE UNIT 103, 103, EVANSTON, IL 60202-2350
Document Number	0002310107
Map Reference	DOC 1013231001
Instrument Date	Dec 29, 2025
Instrument	2602310107
Transaction Type	Transfer
Record Updated	Feb 9, 2026
Title Company	CITYWIDE TITLE CORPORATION

Transaction

Amount	Amount on Record
Tax	$490.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	77 W WASHINGTON ST STE 1805, 1805, CHICAGO, IL 60602-3178

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8158 FLORAL AVE, SKOKIE, IL 60077-2401

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	645 CUSTER AVE UNIT 103, 103, EVANSTON, IL 60202-2350
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 CUSTER AVE 103, 103, EVANSTON, IL 60202-2350

Mortgage

Document Number	0030811043
Date	Nov 4, 2025
Instrument	2530811043

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Oct 30, 2055

Interest

Rate Type	Adjustable Rate
Rate	9.5%
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	645 CUSTER AVE UNIT 103, 103, EVANSTON, IL 60202-2350
Document Number	2032706056
Instrument Date	Jul 2, 2020
Transaction Type	Mortgage
Record Updated	Dec 14, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	645 CUSTER AVE #103 EVANSTON IL 602022350, 103, EVANSTON, IL 60202-2350

Mortgage

Document Number	2032706056
Date	Nov 24, 2020
Instrument	32706056

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 23, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Jul 17, 2019
Property Address	645 CUSTER AVE UNIT 103, 103, EVANSTON, IL 60202-2350
Document Number	1919857095
Instrument Date	Jul 10, 2019
Instrument	19857095
Transaction Type	Transfer
Record Updated	Jul 24, 2019
Title Company	ALTIMA TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	645 CUSTER AVE #103 EVANSTON IL 602022350, 103, EVANSTON, IL 60202-2350

Mortgage

Document Number	1919857096
Date	Jul 17, 2019
Instrument	19857096

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 16, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
Municipality	Evanston City
Elementary School District	Evanston Community Consolidated School District 65 (PK - 08)
Secondary School District	Evanston Township High School District 202 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$36,260 Land $2,889 Building $33,371	$362,600 Land $28,890 Building $333,710
2023	$7,330.00 (-3.94%)	$35,852 (-) Land $2,482 Building $33,370	$358,520 (-) Land $24,820 Building $333,700
2022	$7,631.00 Homeowner's exemption	$35,852 Land $2,482 Building $33,370	$358,520 Land $24,820 Building $333,700

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 645 Custer Ave, Unit 103 in Zone X, an area of minimal flood risk.

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	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

The area around 645 Custer Ave, Unit 103 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EVANSTON serves 74,486 people · EPA ID IL0310810
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	7 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	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 602 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL in parts of the area	100 / 20

May also be available: Verizon, Zentro.

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