963 Apple Tree Ln, West Chicago, IL 60185 Property Records

DuPage County property record for 963 Apple Tree Ln, West Chicago, IL 60185

Property Summary

Property Type	Single Family Home
Details	1,022 sqft · built 1996
Lot Size	0.03 acres (1,307 sqft)
Owner	Individual Name on File
Tax Bill	$4,604 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-15-405-110`

Property Details

APN / Parcel Number

Primary APN	`04-15-405-110`

Interior

Stories	2 Stories
Building Area	1,022 sqft Living Area
1st Floor Area	522 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	A-Frame
Exterior Material	Brick
Construction Type	Brick
Lot Area	1,307 sqft (0.03 acres)
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	963 APPLE TREE LN
City	WEST CHICAGO
State	IL
Zip	60185-6501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	APPLE TREE ASSMT PLAT #10 ALL
Legal Subdivision	APPLE TREE ASSMT PLAT
Legal Lot Number	38
Jurisdiction	DU PAGE IL
Township / Civil Division	WINFIELD
Census Block Group	1
Census Block	1001
Census Tract	841603

Owner

963 Apple Tree Ln is owned and occupied by an individual who acquired it in May 2018.

Source: DuPage County records, as of August 17, 2026

Owner of Record	Individual Name on File
Mailing Address	963 APPLE TREE LN, WEST CHICAGO, IL 60185-6501
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Dec 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST MIDWEST BANK
May 31, 2018	Warranty Deed, Transfer · FHA Mortgage PEOPLES HM EQUITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2018
Deed Sale	May 31, 2018
Prior Sale	Jul 11, 2005 · Amount on File
Deed Document Number	201848047
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Recording Date	Apr 14, 2026
Property Address	963 APPLE TREE LN, WEST CHICAGO, IL 60185-6501
Document Number	0000023812
Instrument Date	Apr 7, 2026
Instrument	202623812
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	963 APPLE TREE LN, WEST CHICAGO, IL 60185-6501

Mortgage

Document Number	0000023812,
Date	Apr 14, 2026
Instrument	202623812

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DU PAGE IL
Property Address	963 APPLE TREE LN, WEST CHICAGO, IL 60185-6501
Transaction Type	Mortgage
Record Updated	Dec 14, 2021
Title Company	CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000152831
Date	Dec 14, 2020
Instrument	R2020-152831

Lender

Name	FIRST MIDWEST BANK
Type	Bank
Address	GURNEE, IL 60031

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	239 Months
Due	Nov 1, 2040

Interest

Rate Type	Fixed Rate
Rate	3.12%

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DU PAGE IL
Recording Date	May 31, 2018
Property Address	963 APPLE TREE LN, WEST CHICAGO, IL 60185-6501
Document Number	0000048047
Instrument Date	May 29, 2018
Instrument	48047
Transaction Type	Transfer
Record Updated	Sep 20, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$213.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	963 APPLE TREE LN WEST CHICAGO IL 601856501, WEST CHICAGO, IL 60185-6501

Mortgage

Document Number	48048
Date	May 31, 2018
Instrument	48048

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37027

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 30, 2048

Interest

Rate	4.75%

Tax Assessment & Valuation

The 2025 property tax bill for 963 Apple Tree Ln was $4,604 with a homeowner's exemption, up 5.2% from the year before.

Source: DuPage County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	DuPage County
County Subdivision	Winfield Township
Municipality	West Chicago City
Secondary School District	Community High School District 94 (09 - 12)
Elementary School District	West Chicago School District 33 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,604.00 (+5.16%) Homeowner's exemption	$62,654 (+9.31%) Land $12,435 Building $50,219	$187,962 (+9.31%) Land $37,305 Building $150,657
2024	$4,378.00	$57,318 Land $11,376 Building $45,942	$171,954 Land $34,128 Building $137,826
2022	$3,975.00 Homeowner's exemption	$48,050 Land $9,540 Building $38,510	$144,150 Land $28,620 Building $115,530

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 963 Apple Tree Ln in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective September 1, 2025 · 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 Claims	7 (2008)
Claims Outside the SFHA	5 of 7
Most Recent Claim	Dec 2008 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Sep 2008 · 4 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

Wildfire risk around 963 Apple Tree Ln is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 70% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	WEST CHICAGO serves 25,166 people · EPA ID IL0430900
Water Source	Groundwater
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2026–2028) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 176 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

Nearby Properties on Apple Tree Ln

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