A Free Public Resource

Your home is your largest asset. Protect the paperwork that proves it's yours.

Deed fraud is one of the fastest-growing property crimes in America. A criminal can file a forged document at the county recorder, and your home can be borrowed against, listed for sale, or transferred without you knowing. This guide shows Chicagoland homeowners exactly how to lock things down, for free, in Cook, DuPage, Kane, Lake, McHenry, and Will Counties.

$0
Cost to enroll in your county's free Property Fraud Alert
5 min
Average time to sign up and start receiving alerts
6
Counties covered: Cook, DuPage, Kane, Lake, McHenry, Will
How it Happens

The fraud is simple. The fix is easier.

Scammers target homes that are paid off, vacant, owned by seniors, or owned by out-of-state landlords. They forge a deed or quitclaim, file it at the county recorder, and use the bogus paperwork to take out a loan or list the home for sale. By the time you find out, the damage is real and expensive to undo.

01 / The Setup

They find a target

Public records make it easy to spot vacant properties, paid-off homes, and absentee owners. Senior homeowners and second-home owners are common targets in the Chicago suburbs.

02 / The Filing

They forge a document

A fake deed, quitclaim, or lien is filed at the county recorder. Recorders are required to accept properly formatted documents; they don't verify signatures.

03 / The Damage

They cash in fast

Once it looks like they own the property, they pull a mortgage, sell to an unsuspecting buyer, or strip the equity. Untangling it takes attorneys, courts, and time.

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A 7-step deed protection checklist, sent to your inbox.

Free, no spam. Includes the direct sign-up link for your county's fraud alert program, the forms you may need, and the right phone number to call if something looks wrong.

By submitting, you agree to receive the checklist and occasional follow-ups from Carmen, a licensed Illinois REALTOR® with Compass. Unsubscribe anytime.

Worried about a specific property?

If you've already received a suspicious notice or you think a document was filed without your knowledge, get a quick second opinion from a local real estate professional.

Talk to Carmen

Deed fraud doesn't require a sophisticated hacker. It requires a notary stamp, a printer, and a county recorder that, by law, has to accept properly formatted documents. The good news: every Illinois county has free tools to detect and reverse it. You just need to use them.

01

Sign up for your county's free Property Fraud Alert

This is the single most important step. Every Illinois county has a free fraud alert program that notifies you by email, text, or phone any time a document is recorded in your name or against your property. Cook County runs its own dedicated Property Fraud Unit through the Cook County Clerk; the rest of Chicagoland uses some version of the statewide Property Fraud Alert system, with Kane branding theirs PROPERTY WATCH and Lake's running through their Recording Division. None of these prevents fraud, but each gives you early warning, sometimes within minutes of the filing.

Action: Find your county in the county section and use the direct enrollment link. It takes about five minutes and is genuinely free. Ignore mailers from companies charging monthly fees for the same service.

02

Pull your current deed and confirm what's on file

Your last recorded deed is the legal record of who owns the home. Most county recorders let you search and view recorded documents online for free. Print or save a digital copy. Compare the names, the legal description, and any liens to what you remember from closing.

Action: Visit your county recorder's online search portal. Search by your name or PIN (parcel number). Look at the most recent deed and any mortgages, liens, or releases. If something looks unfamiliar, write down the document number and call the recorder.

03

Buy or maintain owner's title insurance

If you bought your home with a mortgage, you got lender's title insurance. That protects the bank, not you. Owner's title insurance is a separate one-time policy that protects you against forged deeds, missed liens, and unknown heirs claiming the home. Most Illinois closings include it, but if you bought cash, inherited the property, or refinanced, it's worth confirming you still have an active owner's policy.

  • Check your closing folder for a "Final Owner's Policy"
  • If you can't find it, call the title company that handled your closing
  • If you don't have one, you can buy a standalone policy after the fact
04

Update your address and contact info with the recorder and assessor

If your tax bill or assessment notice goes to a wrong address, you'll miss exactly the kind of mail that warns you about a problem. This matters double for second homes, inherited homes, and rental properties.

Action: File a change of mailing address with both the County Recorder and the Township Assessor's office. It's usually a one-page form.

05

Watch for predatory mailers and scam offers

Once you own a home, your name, address, and mortgage status become public record. Expect mail. The most common scams in Chicagoland right now:

  • "Get a certified copy of your deed for $89." County recorders charge a fraction of that. Often $1 to $5 per page, plus a small certification fee.
  • "Home title lock" subscription services. Charging $15 to $30 per month for what your county already provides for free.
  • Fake home warranty letters. Designed to harvest your information or trick you into a recurring charge.
  • "Cash for your home, today, no inspection." Some are legitimate investors. Others are wholesalers fishing for distressed owners. Always get a second opinion.
Real talk from a Chicagoland REALTOR®: If a letter creates urgency ("respond by Friday"), uses scary legal-sounding language, or asks for payment upfront, slow down. Call the county recorder directly using the number on the official county website, not the number on the letter.
06

If you suspect a fraudulent filing, act the same day

Time matters. The longer a forged deed sits on the record, the more likely a third party (a buyer, a lender, a contractor) acts on it.

  1. Call your county recorder first. As of 2025-2026, every Illinois recorder is required by 55 ILCS 5/3-5010.5 to have a Fraud Review and Referral process. Ask to file a fraud review request.
  2. File a police report with the local department where the property is located.
  3. Contact your title insurance company if you have an owner's policy. They will often defend the title at their cost.
  4. Hire a real estate attorney. Untangling a fraudulent deed usually involves a quiet title action in circuit court.
  5. Report to the Illinois Attorney General consumer fraud division and the FBI's IC3 (Internet Crime Complaint Center) if the scam involved electronic communication.
07

Repeat steps 1 through 4 every year

Make it part of your annual home maintenance routine. Same weekend you change the smoke detector batteries, log in, look at your most recent recorded documents, confirm your fraud alert is still active, and verify the recorder still has your correct mailing address. Ten minutes a year. Possibly hundreds of thousands of dollars saved.

Disclaimer: This guide is general information from a licensed Illinois REALTOR®, not legal advice. For specific situations, talk to a real estate attorney. The county programs, fees, and forms referenced here change. Always confirm directly with your county recorder before relying on any specific number or procedure.

The five-minute version is enough.

If you only do one thing this week, sign up for your county's free Property Fraud Alert. It is the single highest-leverage step in this entire guide.

Pick Your County

Cook County does things differently. The old Cook County Recorder of Deeds was absorbed into the Cook County Clerk's Office in December 2020, so all property recording, fraud alerts, and deed searches now run through the Clerk. Cook County does NOT use the statewide propertyfraudalert.com system; it runs its own dedicated Property Fraud Unit with a separate sign-up portal.

Sign up for Cook County Property Fraud Alert

This is the single most important action a Cook County homeowner can take. Cook County Property Fraud Alert is free, runs through the Cook County Clerk's Office, Recordings Division, and notifies you when any document is recorded under your name or against your property.

Direct sign-up: cookcountyclerkil.gov/recordings/property-fraud-unit
Sign up by phone: 312-603-4000

Dedicated Property Fraud Unit. Unlike most Illinois counties, Cook has a full Property Fraud Unit that does more than just send alerts. The unit researches suspicious filings, coordinates with law enforcement, and helps homeowners understand their next steps. Reach the unit at fraudunit@cookcountyil.gov or 312-603-4000.
Important: this is NOT propertyfraudalert.com. If you've been told to sign up at propertyfraudalert.com for a Cook County property, that's the wrong system. Cook uses its own portal through the County Clerk.

Cook County Clerk's Office, Recordings Division: contact info

OfficeCook County Clerk's Office, Recordings Division
Phone312-603-5050 (Recordings) / 312-603-4000 (Property Fraud Unit)
Emailfraudunit@cookcountyil.gov
Address118 N. Clark Street, Room 120, Chicago, IL 60602
HoursMonday to Friday, 9:00 AM to 5:00 PM. Last customer accepted at 4:45 PM.
Official sitecookcountyclerkil.gov/recordings/

What to do if you suspect fraud in Cook County

  1. Call the Cook County Clerk's Office, Recordings Division at 312-603-5050 (or the Property Fraud Unit at 312-603-4000) and ask to file a fraud review request.
  2. File a police report with the local department where the property is located.
  3. Contact your title insurance company. If you have an owner's policy, they typically defend against forged deeds.
  4. Hire a real estate attorney. Reversing a fraudulent deed usually involves a quiet title action.
  5. Report to the Illinois Attorney General consumer fraud division. If electronic communication was involved, also file with IC3.gov.

Communities served

The Cook County Clerk's Office, Recordings Division covers all properties in Cook County, including Chicago, Evanston, Skokie, Cicero, Berwyn, Oak Park, Forest Park, Melrose Park, River Forest, Maywood, Bellwood, Hillside, Westchester, Broadview, Stone Park, Northlake, Franklin Park, Schiller Park, Rosemont, Park Ridge, Niles, Morton Grove, Lincolnwood, Wilmette, Winnetka, Glenview, Northbrook, Northfield, Des Plaines, Mount Prospect, Arlington Heights, Palatine, Schaumburg, Hoffman Estates, Elk Grove Village, Tinley Park, Orland Park, Oak Lawn, Burbank, Oak Forest, Country Club Hills, Matteson, Homewood, Flossmoor, and many other communities throughout Cook County.

Disclaimer: This page summarizes information from the Cook County Clerk's Office, Recordings Division's public materials and Illinois statute as of 2026. It is not legal advice. For specific situations, consult a real estate attorney. Verify all fees, addresses, and procedures directly with the county before relying on them.

Get the printable Cook County checklist

One page with the recorder phone, the fraud alert link, and the right steps if something looks wrong. Free.

Email Me the Checklist

DuPage County has one of the most active fraud-prevention programs in Illinois. As of 2026, the Recorder's Office runs a free Property Fraud Alert system that notifies subscribers by phone, email, or text whenever a document is recorded under their name, plus a formal Fraud Review and Referral process under Illinois statute 55 ILCS 5/3-5010.5.

Sign up for Property Fraud Alert

This is the single most important action a DuPage County homeowner can take. Property Fraud Alert is free, runs through the DuPage County Recorder's Office, and notifies you when any document is recorded under your name or against your property.

Direct sign-up: dupagecounty.gov — Property Fraud Alert
Sign up by phone: 1-800-728-3858

Fraud Review and Referral Process. DuPage was among the first counties to implement the formal Fraud Review and Referral Process required under 55 ILCS 5/3-5010.5. Property owners who suspect a fraudulent recording can request a review through the Recorder's Office, which can refer suspect documents to law enforcement or the State's Attorney.
Avoid paid 'home title lock' services. The DuPage Recorder's office has publicly urged homeowners to avoid for-profit fraud-monitoring services that charge monthly fees, since the county's program does the same job for free.

DuPage County Recorder: contact info

OfficeDuPage County Recorder
RecorderElizabeth Chaplin
Phone630-407-5400
Emailrecorder@dupagecounty.gov
Address421 N. County Farm Road, Wheaton, IL 60187
HoursMonday to Friday, 8:00 AM to 4:30 PM
Official sitedupagecounty.gov/elected_officials/recorder/

What to do if you suspect fraud in DuPage County

  1. Call the DuPage County Recorder's Office at 630-407-5400 and ask to file a fraud review request.
  2. File a police report with the local department where the property is located.
  3. Contact your title insurance company. If you have an owner's policy, they typically defend against forged deeds.
  4. Hire a real estate attorney. Reversing a fraudulent deed usually involves a quiet title action.
  5. Report to the Illinois Attorney General consumer fraud division. If electronic communication was involved, also file with IC3.gov.

Communities served

The DuPage County Recorder's Office covers all properties in DuPage County, including Wheaton, Naperville, Downers Grove, Elmhurst, Glen Ellyn, Lombard, Addison, Bloomingdale, Carol Stream, Hinsdale, Oak Brook, Lisle, Westmont, Villa Park, Bensenville, Itasca, Roselle, Warrenville, Winfield, Woodridge, Burr Ridge, Clarendon Hills, Darien, Wood Dale, and surrounding communities.

Disclaimer: This page summarizes information from the DuPage County Recorder's public materials and Illinois statute as of 2026. It is not legal advice. For specific situations, consult a real estate attorney. Verify all fees, addresses, and procedures directly with the county before relying on them.

Get the printable DuPage County checklist

One page with the recorder phone, the fraud alert link, and the right steps if something looks wrong. Free.

Email Me the Checklist

Kane County calls its fraud-monitoring program PROPERTY WATCH. It's a free service from the Kane County Recorder's Office that emails you whenever a document is recorded against your property, with a direct link to view the document at no charge.

Sign up for PROPERTY WATCH

This is the single most important action a Kane County homeowner can take. PROPERTY WATCH is free, runs through the Kane County Recorder's Office, and notifies you when any document is recorded under your name or against your property.

Direct sign-up: kanecountyrecorder.net
Sign up by phone: 630-232-5949

Why PROPERTY WATCH matters here. Kane County has been actively warning residents about deed scams for years. The Recorder's office has issued multiple deed-provider warnings about companies sending homeowners letters offering to sell them certified copies of their own deed for inflated fees.

Kane County Recorder: contact info

OfficeKane County Recorder
RecorderSandy Wegman
Phone630-232-5949
AddressKane County Government Center, Geneva, IL
HoursMonday to Friday, 8:30 AM to 4:30 PM. Documents recorded until 4:15 PM.
Official sitekanecountyrecorder.net

What to do if you suspect fraud in Kane County

  1. Call the Kane County Recorder's Office at 630-232-5949 and ask to file a fraud review request.
  2. File a police report with the local department where the property is located.
  3. Contact your title insurance company. If you have an owner's policy, they typically defend against forged deeds.
  4. Hire a real estate attorney. Reversing a fraudulent deed usually involves a quiet title action.
  5. Report to the Illinois Attorney General consumer fraud division. If electronic communication was involved, also file with IC3.gov.

Communities served

The Kane County Recorder's Office covers all properties in Kane County, including Aurora, Elgin, St. Charles, Geneva, Batavia, Carpentersville, South Elgin, North Aurora, Sugar Grove, Hampshire, Pingree Grove, Huntley (Kane portion), Algonquin (Kane portion), Sleepy Hollow, East Dundee, West Dundee, Maple Park, Big Rock, Burlington, and surrounding Fox Valley communities.

Disclaimer: This page summarizes information from the Kane County Recorder's public materials and Illinois statute as of 2026. It is not legal advice. For specific situations, consult a real estate attorney. Verify all fees, addresses, and procedures directly with the county before relying on them.

Get the printable Kane County checklist

One page with the recorder phone, the fraud alert link, and the right steps if something looks wrong. Free.

Email Me the Checklist

Lake County's Property Fraud Alert program runs through the County Clerk's Recording Division, on a modern GovOS system that launched in August 2025. The system replaced older infrastructure and brought modern search tools plus the fraud alert subscription.

Sign up for Property Fraud Alert (via GovOS)

This is the single most important action a Lake County homeowner can take. It is free, runs through the Lake County Clerk's Office, Recording Division, and notifies you when any document is recorded under your name or against your property.

Direct sign-up: lakecountyil.gov — Recording Division
Sign up by phone: 847-377-2400

New system, same goal. The 2025 GovOS rollout was described by the county as a major modernization. If you signed up for fraud alerts before August 2025, confirm your enrollment carried over.

Lake County Clerk's Office, Recording Division: contact info

OfficeLake County Clerk's Office, Recording Division
Phone847-377-2575 (Recording Division)
EmailCountyClerk@lakecountyil.gov
Address18 N. County Street, Waukegan, IL 60085
HoursMonday to Friday, business hours. Confirm with office before visiting.
Official sitelakecountyil.gov/4924/Recording-Division

What to do if you suspect fraud in Lake County

  1. Call the Lake County Clerk's Office, Recording Division at 847-377-2575 and ask to file a fraud review request.
  2. File a police report with the local department where the property is located.
  3. Contact your title insurance company. If you have an owner's policy, they typically defend against forged deeds.
  4. Hire a real estate attorney. Reversing a fraudulent deed usually involves a quiet title action.
  5. Report to the Illinois Attorney General consumer fraud division. If electronic communication was involved, also file with IC3.gov.

Communities served

The Lake County Clerk's Office, Recording Division covers all properties in Lake County, including Waukegan, North Chicago, Highland Park, Lake Forest, Libertyville, Mundelein, Vernon Hills, Buffalo Grove (Lake portion), Gurnee, Zion, Antioch, Round Lake, Round Lake Beach, Grayslake, Lindenhurst, Lake Villa, Wauconda, Lake Zurich, Hawthorn Woods, Long Grove, Deerfield, Highwood, Bannockburn, Lincolnshire, Riverwoods, and surrounding North Shore communities.

Disclaimer: This page summarizes information from the Lake County Clerk's Office, Recording Division's public materials and Illinois statute as of 2026. It is not legal advice. For specific situations, consult a real estate attorney. Verify all fees, addresses, and procedures directly with the county before relying on them.

Get the printable Lake County checklist

One page with the recorder phone, the fraud alert link, and the right steps if something looks wrong. Free.

Email Me the Checklist

McHenry County has run a free Property Fraud Alert program for years, and recently went a step further. As of 2026, after a property owner is alerted to a suspicious filing, the McHenry County State's Attorney's Office, the Sheriff's Office, and the FBI when needed will begin an investigation. The county also launched a new Fraud Referral and Review process in early 2026.

Sign up for Property Fraud Alert

This is the single most important action a McHenry County homeowner can take. It is free, runs through the McHenry County Clerk and Recorder's Office, and notifies you when any document is recorded under your name or against your property.

Direct sign-up: mchenrycountyil.gov — Property Fraud Alert
Sign up by phone: 1-800-728-3858

New Fraud Referral and Review process. Announced in early 2026, this gives McHenry residents a formal way to report suspected deed or title fraud. Cases reported through the Recorder's Office can be referred directly to the State's Attorney's Office or other law enforcement for investigation.

McHenry County Clerk and Recorder: contact info

OfficeMcHenry County Clerk and Recorder
RecorderJoe Tirio (County Clerk and Recorder)
Phone815-334-4110
Emailrecorders@mchenrycountyil.gov
Address2200 N. Seminary Avenue, Woodstock, IL 60098
HoursMonday to Friday, 8:00 AM to 4:30 PM
Official sitemchenrycountyil.gov/departments/county-recorder

What to do if you suspect fraud in McHenry County

  1. Call the McHenry County Clerk and Recorder's Office at 815-334-4110 and ask to file a fraud review request.
  2. File a police report with the local department where the property is located.
  3. Contact your title insurance company. If you have an owner's policy, they typically defend against forged deeds.
  4. Hire a real estate attorney. Reversing a fraudulent deed usually involves a quiet title action.
  5. Report to the Illinois Attorney General consumer fraud division. If electronic communication was involved, also file with IC3.gov.

Communities served

The McHenry County Clerk and Recorder's Office covers all properties in McHenry County, including Crystal Lake, Algonquin, McHenry, Woodstock, Cary, Lake in the Hills, Huntley, Marengo, Harvard, Johnsburg, Lakewood, Wonder Lake, Spring Grove, Richmond, Hebron, Union, Bull Valley, Greenwood, Ringwood, and surrounding northwest suburban communities.

Disclaimer: This page summarizes information from the McHenry County Clerk and Recorder's public materials and Illinois statute as of 2026. It is not legal advice. For specific situations, consult a real estate attorney. Verify all fees, addresses, and procedures directly with the county before relying on them.

Get the printable McHenry County checklist

One page with the recorder phone, the fraud alert link, and the right steps if something looks wrong. Free.

Email Me the Checklist

Will County's Property Fraud Alert is a free service from the Recorder's Office that notifies you by email, text, or phone any time a document is recorded with your name on it. Recorder Karen A. Stukel has issued multiple public reminders encouraging Will County homeowners to enroll, particularly given the rise in property fraud cases across the Chicago metro.

Sign up for Property Fraud Alert

This is the single most important action a Will County homeowner can take. It is free, runs through the Will County Recorder's Office, and notifies you when any document is recorded under your name or against your property.

Direct sign-up: propertyfraudalert.com/ILWill
Sign up by phone: 1-800-728-3858

Free notifications, your choice of method. Pick email, text message, or voice phone call. Most homeowners enroll all three for redundancy.

Will County Recorder: contact info

OfficeWill County Recorder
RecorderKaren A. Stukel
Phone815-740-4637
Address158 N. Chicago Street, Joliet, IL
HoursMonday to Friday, business hours. Confirm with office before visiting.
Official sitewillcountyrecorder.com

What to do if you suspect fraud in Will County

  1. Call the Will County Recorder's Office at 815-740-4637 and ask to file a fraud review request.
  2. File a police report with the local department where the property is located.
  3. Contact your title insurance company. If you have an owner's policy, they typically defend against forged deeds.
  4. Hire a real estate attorney. Reversing a fraudulent deed usually involves a quiet title action.
  5. Report to the Illinois Attorney General consumer fraud division. If electronic communication was involved, also file with IC3.gov.

Communities served

The Will County Recorder's Office covers all properties in Will County, including Joliet, Bolingbrook, Plainfield, Naperville (Will portion), Romeoville, Lockport, New Lenox, Frankfort, Mokena, Tinley Park (Will portion), Orland Park (Will portion), Crest Hill, Shorewood, Channahon, Minooka (Will portion), Wilmington, Manhattan, Peotone, Beecher, Monee, Crete, University Park, and surrounding south and southwest suburban communities.

Disclaimer: This page summarizes information from the Will County Recorder's public materials and Illinois statute as of 2026. It is not legal advice. For specific situations, consult a real estate attorney. Verify all fees, addresses, and procedures directly with the county before relying on them.

Get the printable Will County checklist

One page with the recorder phone, the fraud alert link, and the right steps if something looks wrong. Free.

Email Me the Checklist

County Recorders

  • Cook County Clerk's Recordings Division
    Handles all property recording and the Property Fraud Unit for Cook County.
    Visit →
  • DuPage County Recorder's Office
    Official site for property records, fraud alerts, and recording fees in DuPage County.
    Visit →
  • Kane County Recorder
    Home of the free PROPERTY WATCH service for Kane County homeowners.
    Visit →
  • Lake County Clerk's Recording Division
    Modern GovOS-based records system launched August 2025. Includes fraud alert subscription.
    Visit →
  • McHenry County Clerk and Recorder
    Free Property Fraud Alert plus the new 2026 Fraud Referral and Review process.
    Visit →
  • Will County Recorder
    Property records dating back to 1836 and free fraud alert enrollment.
    Visit →

Fraud Alert Sign-Up

  • Cook County Property Fraud Unit
    Cook County's own dedicated fraud unit and alert system. Different from the statewide propertyfraudalert.com. Sign up by phone at 312-603-4000.
    Sign Up →
  • Property Fraud Alert (statewide system)
    Used by DuPage, McHenry, Will, and most other Illinois counties. Sign up by phone at 1-800-728-3858 or online.
    Sign Up →
  • Kane County PROPERTY WATCH
    Kane County's branded version. Email-based. Free document viewing once enrolled.
    Sign Up →
  • Lake County Property Fraud Alert
    Through the GovOS-based Recording Division portal launched in 2025.
    Sign Up →

Reporting Fraud

  • Illinois Attorney General Consumer Fraud
    File a consumer fraud complaint at the state level if you believe you've been a victim.
    File →
  • FBI IC3 (Internet Crime Complaint Center)
    Use this for any fraud that involved electronic communication, email, or wire transfer.
    File →
  • Federal Trade Commission Identity Theft
    Identity theft is often connected to deed fraud. Reporting here creates a recovery plan.
    File →

Send a message

Tell Carmen what's on your mind. Whether you're worried about a specific filing, trying to figure out which county your home is in, or just want the printable checklist, this is the right place.

Carmen is a licensed Illinois REALTOR® with Compass. This form is for general questions; for legal advice, consult a real estate attorney. Information you submit is confidential and not shared with third parties.