778 Kristy Ln, Wheeling, IL 60090 Property Records

Cook County property record for 778 Kristy Ln, Wheeling, IL 60090

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,366 sqft · built 1983
Lot Size	0.186 acres (8,093 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Sep 2023)
Tax Bill	$11,959 (2023)
Deeds & Mortgages	Dec 2025 Mortgage Sep 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`03-10-409-003`

Property Details

APN / Parcel Number

Primary APN	`03-10-409-003`
Alternative APN	`03-10-409-003-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,366 sqft Living Area

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1984
Architectural Style	Multi-Level
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	8,093 sqft (0.186 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	778 KRISTY LN
City	WHEELING
State	IL
Zip	60090-5596
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 IN MC KAY NEALIS SUB PART OF SE4 OF SEC10 T42N R11E 3P
Legal Range	11E
Legal Township	42N
Legal Section	10
Legal Subdivision	MCKAY NEALIS
Legal Lot Number	3
Jurisdiction	COOK IL
Township / Civil Division	WHEELING
Census Block Group	3
Census Block	3010
Census Tract	802504

Owner

778 Kristy Ln is owned and occupied by two individuals who bought it in September 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	778 KRISTY LN, WHEELING, IL 60090-5596
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Dec 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Sep 11, 2023	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
May 14, 2020	Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE
Apr 12, 2017	Warranty Deed, Transfer · Conventional with PMI KEY MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2023 · Amount on File
Deed Sale	Sep 11, 2023 · Amount on File
Prior Sale	Apr 12, 2017 · Amount on File
Deed Document Number	202341052
Prior Transfer Date	Mar 9, 2013
Prior Transfer Doc	0000049037
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	778 KRISTY LN, WHEELING, IL 60090-5596
Transaction Type	Mortgage
Record Updated	Jan 19, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	778 KRISTY LN D, D, WHEELING, IL 60090-5596

Mortgage

Document Number	0035820016
Date	Dec 24, 2025
Instrument	2535820016

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.12%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Sep 11, 2023
Property Address	778 KRISTY LN, WHEELING, IL 60090-5596
Document Number	0025441052
Instrument Date	Sep 1, 2023
Instrument	2325441052
Transaction Type	Transfer
Record Updated	Sep 22, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$525.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	778 KRISTY LN, WHEELING, IL 60090-5596

Mortgage

Document Number	0025441053
Date	Sep 11, 2023
Instrument	2325441053

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.12%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	778 KRISTY LN, WHEELING, IL 60090-5596
Document Number	2018221012
Instrument Date	May 14, 2020
Transaction Type	Mortgage
Record Updated	Jul 9, 2020
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	778 KRISTY LN WHEELING IL 600905596, WHEELING, IL 60090-5596

Mortgage

Document Number	2018221012
Date	Jun 30, 2020
Instrument	18221012

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 29, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Apr 12, 2017
Property Address	778 KRISTY LN, WHEELING, IL 60090-5596
Document Number	1710212097
Instrument Date	Mar 31, 2017
Instrument	10212097
Transaction Type	Transfer
Record Updated	Apr 20, 2017
Title Company	ATTORNEY'S TITLE, ATTORNEYS TITLE GUARANTY FUND

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$387.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	531 LE PARC CIR BUFFALO GROVE IL 600896913, BUFFALO GROVE, IL 60089-6913

Mortgage

Document Number	1710212098
Date	Apr 12, 2017
Instrument	10212098

Lender

Name	KEY MTG SVCS
Type	Mortgage Company
Address	SCHAUMBURG, IL 60173

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 11, 2047

Interest

Rate Type	Fixed Rate
Rate	4.12%

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$50,000 Land $10,521 Building $39,479	$500,000 Land $105,210 Building $394,790
2023	$11,959.00 (+5.17%)
2022	$11,371.00 (+16.82%)	$38,999 (+31.74%) Land $8,902 Building $30,097	$389,990 (+31.74%) Land $89,020 Building $300,970
2021	$9,734.00 Homeowner's exemption	$29,604 Land $6,069 Building $23,535	$296,040 Land $60,690 Building $235,350

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 778 Kristy Ln in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 1987.

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
Flood Insurance Cost	Premium on File median of 14 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	25 (1987–2019)
Claims Outside the SFHA	1 of 25
Most Recent Claim	Jul 2019 · 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.

Wildfire

The area around 778 Kristy Ln 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	WHEELING serves 39,725 people · EPA ID IL0314970
Water Source	Purchased surface water from NORTHWEST WATER COMMISSION
Last State Inspection	Jul 2025
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jun 2019
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 452 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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