Will County property record for 645 Vail Dr, Frankfort, IL 60423
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,406 sqft · built 1985 |
| Lot Size | 0.37 acres (15,937 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $9,966 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Jan 2024 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-09-21-207-011 |
| Primary APN | 19-09-21-207-011 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Building Area | 1,406 sqft Living Area |
| Basement Area | 506 sqft |
| Unfinished Basement | 506 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Tri-Level |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,937 sqft (0.37 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 645 VAIL DR |
|---|---|
| City | FRANKFORT |
| State | IL |
| Zip | 60423-1324 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 31 IN CREEKVIEW UNIT 2, BEING A SUB OF PRT OF THE W1/2 OF THE NE1/4 OF SEC. 21, T35N-R12E. |
| Legal Range | 12E |
| Legal Township | 35N |
| Legal Section | 21 |
| Legal Subdivision | CREEKVIEW UNIT 2 |
| Legal Lot Number | 31 |
| Legal Unit | 2 |
| Jurisdiction | WILL IL |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 883515 |
645 Vail Dr is owned and occupied by an individual who acquired it in December 2024.
Source: Will County records, as of August 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 645 VAIL DR, FRANKFORT, IL 60423-1324 |
| 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 |
|---|---|
| Apr 9, 2026 | Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE |
| Jan 25, 2024 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Jan 4, 2022 | Warranty Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP |
| Sep 13, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST MIDWEST BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 20, 2024 |
| Deed Sale | Dec 20, 2024 |
| Prior Sale | Jan 4, 2022 · Amount on File |
| Deed Document Number | 202467545 |
| Prior Transfer Date | Jan 19, 2024 |
| Prior Transfer Doc | 0000067545 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WILL IL |
| Recording Date | Apr 9, 2026 |
| Property Address | 645 VAIL DR, FRANKFORT, IL 60423-1324 |
| Document Number | 0000020774 |
| Instrument Date | Apr 1, 2026 |
| Instrument | 202620774 |
| Transaction Type | Mortgage |
| Record Updated | Jul 16, 2026 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 645 VAIL DR, FRANKFORT, IL 60423-1324 |
| Investor | Possibly a Property Investor |
| Document Number | 0000020774, |
|---|---|
| Date | Apr 9, 2026 |
| Instrument | 202620774 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.19% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WILL IL |
| Recording Date | Jan 25, 2024 |
| Property Address | 645 VAIL DR, FRANKFORT, IL 60423-1324 |
| Document Number | 0000003966 |
| Instrument Date | Jan 19, 2024 |
| Instrument | R2024003966 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2024 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 645 VAIL DR, FRANKFORT, IL 60423-1324 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WILL IL |
| Recording Date | Jan 4, 2022 |
| Property Address | 645 VAIL DR, FRANKFORT, IL 60423-1324 |
| Document Number | 0000001334 |
| Instrument Date | Nov 8, 2021 |
| Instrument | R2022001334 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2022 |
| Title Company | CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $325.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 61 ROUND HILL RD, DOBBS FERRY, NY 10522-3310 |
| Document Number | 0000001335 |
|---|---|
| Date | Jan 4, 2022 |
| Instrument | R2022001335 |
| Name | FIRST CENTENNIAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Oct 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WILL IL |
| Property Address | 645 VAIL DR, FRANKFORT, IL 60423-1324 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000062960 |
|---|---|
| Date | Sep 13, 2019 |
| Instrument | R2019062960 |
| Name | FIRST MIDWEST BANK |
|---|---|
| Type | Bank |
| Address | GURNEE, IL 60031 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
The 2025 property tax bill for 645 Vail Dr was $9,966, up 4.4% from the year before.
Source: Will County assessment roll, as of August 24, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Will County |
| County Subdivision | Frankfort Township |
| Municipality | Frankfort Village |
| Elementary School District | Frankfort Community Consolidated School District 157C (PK - 08) |
| Secondary School District | Lincoln Way Community High School District 210 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,966.00 (+4.41%) | $136,951 (+6.6%) Land $23,277 Building $113,674 | $410,853 (+6.6%) Land $69,831 Building $341,022 |
| 2024 | $9,545.00 | $128,472 Land $21,836 Building $106,636 | $385,416 Land $65,508 Building $319,908 |
| 2022 | $8,360.00 Homeowner's exemption | $104,507 Land $17,763 Building $86,744 | $313,521 Land $53,289 Building $260,232 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 645 Vail Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1981.
Source: FEMA National Flood Hazard Layer, effective June 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 | 7 in force |
| Nearby Flood Claims | 5 (1981–2016) |
| Claims Outside the SFHA | 3 of 5 |
| Most Recent Claim | Feb 2016 · other causes |
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 645 Vail Dr 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 | FRANKFORT serves 24,000 people · EPA ID IL1970400 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 96 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 |
| Bertram Communications Fixed Wireless | 100 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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