820 Locust Rd, Wilmette, IL 60091 Property Records

Cook County property record for 820 Locust Rd, Wilmette, IL 60091

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,500 sqft · built 2012
Lot Size	0.294 acres (12,800 sqft)
Owner	Individual Name on File
Last Sale	$1,234,000 (Nov 2019)
Tax Bill	$25,186 (2023)
Deeds & Mortgages	Mar 2022 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-32-200-081`

Property Details

APN / Parcel Number

Primary APN	`05-32-200-081`
Alternative APN	`05-32-200-081-0000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,500 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Multi-Level
Exterior Material	Stucco
Roof Material	Asphalt
Lot Area	12,800 sqft (0.294 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	820 LOCUST RD
City	WILMETTE
State	IL
Zip	60091-2267
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Range	13E
Legal Township	42N
Legal Section	32
Legal Subdivision	MARIAN MDWS
Legal Lot Number	1
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	4
Census Block	4000
Census Tract	801000

Owner

820 Locust Rd is owned by an individual who bought it in November 2019.

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

Owner of Record	Individual Name on File
Mailing Address	35 W WACKER DR, 11, CHICAGO, IL 60601-1637
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
Mar 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Nov 27, 2019	Warranty Deed, Transfer WELLS FARGO BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2019 · Amount on File
Deed Sale	Nov 27, 2019 · Amount on File
Prior Sale	Dec 4, 2006 · Amount on File
Deed Document Number	201946002
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	820 LOCUST RD, WILMETTE, IL 60091-2267
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	ATA NATIONAL TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0008118106
Date	Mar 22, 2022
Instrument	2208118106

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.37%
Type Change Date	Jan 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.37%
Index	Other
Max Rate	7.37%

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Nov 27, 2019
Property Address	820 LOCUST RD, WILMETTE, IL 60091-2267
Document Number	1933146002
Instrument Date	Nov 20, 2019
Instrument	33146002
Transaction Type	Transfer
Record Updated	Dec 12, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,234.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	10 S LA SALLE ST #2750 CHICAGO IL 606031108, 2750, CHICAGO, IL 60603-1108

Mortgage

Document Number	1933146003
Date	Nov 27, 2019
Instrument	33146003

Lender

Name	WELLS FARGO BK
Type	Bank
Address	101 N PHILLIPS AVE, SIOUX FALLS, SD 57104-6738

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 26, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.87%

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		$128,128 Land $26,880 Building $101,248	$1,281,280 Land $268,800 Building $1,012,480
2023	$25,186.00 (-2.66%)
2022	$25,875.00 Homeowner's exemption	$123,900 Land $22,400 Building $101,500	$1,239,000 Land $224,000 Building $1,015,000

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 820 Locust 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

The area around 820 Locust Rd 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	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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