822 Central Ave, Wilmette, IL 60091 Property Records

Cook County property record for 822 Central Ave, Wilmette, IL 60091

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 3,740 sqft · built 1905
Lot Size	0.494 acres (21,500 sqft)
Owner	Individual Name on Record
Last Sale	$3,475,000 (Oct 2026)
Tax Bill	$31,205 (2024)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Sep 2025 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-34-201-010`

Property Details

APN / Parcel Number

Primary APN	`05-34-201-010`
Alternative APN	`05-34-201-010-0000`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,740 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Exterior Material	Frame
Construction Type	Frame
Roof Material	Other
Lot Area	21,500 sqft (0.494 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	822 CENTRAL AVE
City	WILMETTE
State	IL
Zip	60091-2606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGE OF (WILMETTE) SUB OF W63.55CHS OF N SEC OF OU ILMETTE RESERVATION ALSO 40FT N&ADJ CENTER LINE OF NORTH AVE & 33FT S&A
Legal Range	13E
Legal Township	42N
Legal Section	34
Legal Subdivision	VILLAGE OF WILMETTE SUB
Legal Block	22
Legal Lot Number	13
Jurisdiction	COOK IL
Township / Civil Division	NEW TRIER
Census Block Group	3
Census Block	3025
Census Tract	801200

Owner

Source: Cook County records, as of October 22, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	824 CENTRAL AVE, WILMETTE, IL 60091-2606
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2026	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO
Sep 9, 2025	Deed of Trust, Mortgage · Construction Mortgage ITASCA BANK & TRUST CO
Sep 9, 2025	Deed of Trust, Mortgage · Construction Mortgage ITASCA BANK & TRUST CO
Nov 21, 2023	Deed, Transfer · Line of Credit FIRST NATIONAL BANK OF BROOKFIELD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 13, 2026 · Amount on Record
Deed Sale	Oct 13, 2026 · Amount on Record
Prior Sale	Nov 21, 2023 · Amount on Record
Deed Document Number	202623427
Prior Transfer Date	Aug 3, 2016
Prior Transfer Doc	0000013048
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Oct 13, 2026
Property Address	822 CENTRAL AVE, WILMETTE, IL 60091-2606
Document Number	0000023427
Instrument Date	Sep 25, 2026
Instrument	202628623427
Transaction Type	Transfer
Record Updated	Oct 21, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$526,462.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023430,
Date	Oct 13, 2026
Instrument	202628623430

Lender

Name	WELLS FARGO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	822 CENTRAL AVE, WILMETTE, IL 60091-2606
Transaction Type	Mortgage
Record Updated	Sep 30, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025230240
Date	Sep 9, 2025
Instrument	2525230240

Lender

Name	ITASCA BANK & TRUST CO
Type	Bank
Address	ITASCA, IL 60143

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	822 CENTRAL AVE, WILMETTE, IL 60091-2606
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025218184
Date	Sep 9, 2025
Instrument	2525218184

Lender

Name	ITASCA BANK & TRUST CO
Type	Bank
Address	ITASCA, IL 60143

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	COOK IL
Recording Date	Nov 21, 2023
Property Address	822 CENTRAL AVE, WILMETTE, IL 60091-2606
Document Number	0032506464
Instrument Date	Nov 1, 2023
Instrument	2332506464
Transaction Type	Transfer
Record Updated	Dec 8, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,615.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	822 CENTRAL AVE, WILMETTE, IL 60091-2606

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 GREENLEAF AVE, WILMETTE, IL 60091-2706

Mortgage

Document Number	0032506465
Date	Nov 21, 2023
Instrument	2332506465

Lender

Name	FIRST NATIONAL BANK OF BROOKFIELD
Type	Bank
Address	BROOKFIELD, IL 60513

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Nov 8, 2024

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		$181,000 (+36.6%) Land $69,875 Building $111,125	$1,810,000 (+36.6%) Land $698,750 Building $1,111,250
2024	$31,205.00 (+8.68%)
2023	$28,712.00 (+5.81%)
2022	$27,135.00 (-17.24%)	$132,500 (+2.29%) Land $59,125 Building $73,375	$1,325,000 (+2.29%) Land $591,250 Building $733,750
2021	$32,787.00 Homeowner's exemption	$129,536 Land $47,300 Building $82,236	$1,295,360 Land $473,000 Building $822,360

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	51 units insured incl. 45 condo units
Nearby Flood Claims	8 (1984–2014)
Claims Outside the SFHA	7 of 8
Most Recent Claim	Jul 2014 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 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

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 497 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: Astound Broadband, T-Mobile.

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