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HENRY LOUIS GATES JR.He changed academia, but still likes his students

and his ‘Watchmen’ character. A+E

Interest in witchcraft is propelled byspirituality, feminism and digital access.

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Craving magicFew clear avenues for Bears if MitchTrubisky can’t get turned around.

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Conundrum at QB

A new campaign aimed at reachingChicagoland’s disconnected youth.

TRIBUNE EDITORIAL

Chicago ForwardHidden fees, stolen money and missingpermits can haunt your home purchase.

REAL ESTATE

Horrors at closing

After passing a number of transforma-tional laws last spring — from cementingwomen’s abortion rights to legalizingrecreational pot — the General Assemblyreturns to action this week under thecloud of an ongoing federal corruptionprobe and facing pressure from ChicagoMayor Lori Lightfoot for help in plug-ging her city’s $838 million budget hole.

Looming over all the action this fall is aseries of political corruption scandalsthat have occupied much of almost thepast year from Chicago to the statehouseand touched on a number of high-profileSpringfield players, from utility giantComEd and its army of lobbyists toinfluential state Sen. Martin Sandovaland the ultimate powerbroker, IllinoisHouse Speaker Michael Madigan.Whether they are all connected remainsunclear, but Chicago Ald. Edward Burkeis the only elected official charged withwrongdoing.

At the same time, Gov. J.B. Pritzker ispushing legislators to begin addressingsoaring public pension debt as theygather for the first half of their scheduledsix-day fall veto session. The governor iscalling for lawmakers to pass legislationthat would consolidate roughly 650pension funds for suburban and Down-state police and firefighters into twostatewide investment pools.

Lightfoot has a lot riding on the vetosession, which will serve as a major testof her influence in Springfield. When sheunveiled her budget plan at a special CityCouncil meeting Wednesday, Lightfoot

Legislativesession tostart undera cloudCorruption probe ongoing,Chicago budget woes loom

By Dan Petrella, Gregory Pratt and Jamie Munks

Turn to Session, Page 14

Scattered throughout the fieryautumn foliage at Indiana DunesNational Park are green patchesof Asiatic bittersweet, its yellow-

orange fruit soon to split open with redberries, lending a holiday look to thewoods.

But this invasive plant is better suitedto “Little Shop of Horrors” than anyChristmas story.

Its snaking vines can climb at a rapid

pace, enveloping and choking trees, andkilling off plants below — a grim threat inone of the country’s most biodiversenational parks where native speciesthrive.

Chemical sprays and controlled burnshave been deployed against invasiveplants at the park for years. NowAmerica’s newest national park is turn-ing to the unique talents of Thelma andLouise, goat half sisters who were taskedthis past summer with eating as much asthey could in an overrun section where

tangles of the woody bittersweet are asbig as a fist.

Thelma and Louise worked out so wellthey could be back at the dunes next year,maybe with some reinforcements.

“They were good company,” said GeofBenson, executive director of the DunesLearning Center, which cared for theanimals over the summer. “I think whatwe need is more goats.”

Thelma and Louise are part of a

Volunteer Jim Whitenack takes Thelma for a walk as Louise looks on at Chellberg Farm in Indiana Dunes National Park.

JOSE M. OSORIO/CHICAGO TRIBUNE

‘WHAT WE NEED IS MORE GOATS’

Indiana Dunes National Park lets animals mow down problem plants

Turn to Goats, Page 12

By Morgan Greene

When marijuana sales become legal inIllinois next year, it will remain illegal todrive while high. But police say they stillwon’t have the tools to enforce laws againststoned driving the way they’d like.

Law enforcement officials expect asignificant increase in the number of peopledriving after smoking pot. While patrolofficers can use Breathalyzers to help check

whether people are driving while drunk,they have no approved roadside test to seewhether drivers are stoned. Police in CarolStream are hoping to help change that.

After a false start last year, cops in thewestern suburb are trying out a roadsidetest to determine whether drivers haveconsumed drugs, including cannabis, opi-ates and methamphetamine. It’s part of aneffort to find the best way to reducedrugged driving — a problem that appearsto be getting more common, even asdrunken driving has been decreasing.Carol Stream police Sgt. Brian Cluever

shows a kit the department is trying to

test drivers for marijuana and other drugs.

CHRIS SWEDA/CHICAGO TRIBUNE

Police seeking quick test to helpID those driving while stonedHard to gauge impairmentafter motorists smoke weed

By Robert McCoppin

Turn to Test, Page 13

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The odds of striking Chicago teachersreaching a tentative contract dealSaturday took a hit when a top schooldistrict official said she had “seriousconcerns” about resuming negotiationsfollowing a “breach of trust.”

It wasn’t clear if the matter wouldderail hopes of reopening classroomsMonday. The two sides remained at thebargaining table into Saturday evening.

The union and the city have reachedconsensus on many contract matters buthave gotten down to the biggest and mostchallenging ones to resolve, both sideshave indicated. Page 7

CHICAGOLAND

Prospects of teachersreaching a deal hits snag

REAL ESTATE

C Sunday, October 27, 2019 | Section 7

A four-bedroom, 7,085-square-foot condominium unit on the33rd floor of the luxury GoldCoast tower at 9 W. Walton St.sold Oct. 11 for $8.2 million.

The sale of the full-floor unitrepresents the highest-pricedresale yet in the building. But itsold for far less than its sellers,Jeffrey and Linda Wolfson, origi-nally had sought.

The sellers first had listed it inJanuary for $13 million and thenknocked $1 million off the askingprice in April. The listing pricewas reduced further to $10.7million in June.

The Wolfsons had paid $8.17million for the unit in late 2018,meaning that they barely ekedout a profit on it and likely lostmoney after broker fees andother costs. The agent who rep-resented them, Nancy Tassone,did not respond to a request forcomment, and the agent whorepresented the buyers, EmilySachs Wong, declined tocomment.

The unit has been finishedwith drywall and electrical andplumbing, according to listinginformation. It also has eightbaths and a large heated terrace.

Public records do not yetidentify the buyers.

Gacy site on the market: Athree-bedroom, 2,500-square-foot house in Norwood Park thatwas constructed in the 1980s onthe site that previously had heldserial killer John Wayne Gacy’snow-demolished home is on themarket for $459,000.

Gacy murdered at least 33young men and boys in his brickranch-style home, which was at8213 W. Summerdale Ave., be-tween 1972 and 1978. He killedand buried the bodies of 29 vic-tims under and near the home.

After his confession and ar-rest, investigators unearthed andremoved the bodies and gradu-ally gutted the house to a point

that it became a safety hazard. Itwas razed in April 1979. Gacy wasexecuted in 1994.

Meanwhile, the property,which Gacy and his mother,Marion, had purchased in August1971, was foreclosed on and soldto a savings and loan in 1984. Anew owner, Patricia Jendrycki,then bought the house in 1986and built a new house andchanged its address to 8215 W.Summerdale Ave.

Jendrycki sold the house in2004 to its current owners, whofirst listed the home Aug. 9 for$489,000 and to no media

ELITE STREET

Gold Coast tower condo sells for $8.2MBy Bob Goldsborough

A condo at 9 W. Walton St. sold

for $8.2 million — the building’s

highest resale price to date.

VHT STUDIOS

Turn to Elite, Page 2

FraudIn early September, a routine

property transaction seemed to beclose to the finish line at LakeshoreTitle Agency, based in RollingMeadows.

“We were getting ready to wirethe proceeds,” said agency presi-dent Min Bowler, “and our officereceived emailed wire transferinstructions from someone claim-ing to be the seller. We wired$26,390.79, and within five minutesthe seller called with the wire in-structions.

“We told him we’d already sentthe funds via wire. We immediatelynotified our bank, which immedi-ately recalled the transfer and putout a fraud alert.”

The rapid response by the Lake-shore staff reversed the transaction,though the firm had already cov-ered the seller’s loss.

That’s how wire transfer fraudworks: A seemingly routine com-munication suddenly is hijacked bya thief, who siphons off the funds atthe last minute. Thieves figure outwho’s selling a house and then scanpublic email platforms, such as

Gmail, with the aim of interceptingand then taking over communica-tions about property sales. Theycollect highly sensitive data abouthow much money is to be sent,when, from whom and to whom.Then they divert the money intotheir own accounts by pretendingto be the recipient.

Sometimes fast action prevents aseller from losing all of their homeequity and down payment. Some-times the money is lost forever.

“It’s like identity theft,” saidCynthia Durham Blair, president ofthe American Land Title Associ-ation, and an attorney based inColumbia, South Carolina. “Fifteenyears ago, nobody had heard of it.Now everybody knows about it.”

Based on figures compiled byfederal law enforcement, ALTAestimated that in 2018, $149 millionwas stolen from 11,200 consumersin real estate wire fraud.

“The terrifying part is that theFBI estimates that’s only about 15%to 20% of the actual theft,” saidBlair. “People are embarrassed by it.A realtor or title company mightnot report it and just pay back the

client out of their own pocket.”Wire fraud is rattling the title

insurance industry and forcingeverybody to triple-check everyaspect of every transaction.

“Everybody was in shock,” saidBowler of the quickly correctedfraud that hit her firm. “You hearabout it all the time. We receive somany underwriting bulletins, andthese fraudsters get you at a vulner-able time and the money is gonewithin a split second.”

Liens, taxes and feesTypically, title insurance —

which covers you financially ifthere’s a problem with the legalownership of the property — in-cludes a provision for liens filed toolate to be caught by the standardtitle search. That’s essential tomake sure that the new ownerdoesn’t get stuck with liens againstthe property filed by contractorswho were not paid by the seller,explains Gregory A. Braun, a part-ner with the Chicago real estate law

Min Bowler, president of Lakeshore Title Agency, found herself in the middle of a closing nightmare after her firm was victimized by wire fraud.

STACEY WESCOTT/CHICAGO TRIBUNE

CLOSING HORRORSHidden fees, stolen funds and missing permits

can haunt your home purchaseBy Joanne Cleaver

Skeletons in the legal closet. Long-forgotten loans and contracts

that rise from the dead. Shape-shifters who steal home equity.

Zombies like these can eat a real estate closing alive.

Real estate closings are notoriously tedious, but trouble

arises when these typically routine transactions are haunted

by unresolved issues from the past, or even hidden fraud that is revealed as

closing day looms. Here’s how to drive a stake through the heart of the four

horsemen of real estate closing apocalypse — wire transfer fraud, liens,

unpaid taxes and fees, and unresolved permits.

Turn to Closing, Page 2

2 Chicago Tribune | Real Estate | Section 7 | Sunday, October 27, 2019 C

attention. The owners cuttheir asking price to$479,900 later that month,and then in Septemberreduced it to $469,000 andthen to $459,000.

The house has two baths,an updated kitchen with aneating area, a separatedining room, a family roomwith a two-sided fireplace,a second-story loft and anattached two-car garage.

Listing agent Bob Piccia-rello of Prello Realty didnot respond to a request forcomment.

TMZ first reported onthe listing Oct. 15.

Historic Wheaton house

sells: A four-bedroom,3,614-square-foot Crafts-man-style house inWheaton that was designedby architect Jarvis Huntsold Oct. 1 for $866,000.

The two-story house wasbuilt in 1898 and 1899 forCharles L. Strobel, a promi-nent engineer for steelcompanies who had a rolein developing steel skeletonconstruction for officebuildings. Strobel was amember of the ChicagoGolf Club in Wheaton — aswas Hunt — and for a timethe house had its own tree-lined lane to connect it tothe club’s front entrancedrive.

The sellers bought thehouse in 2011 for $882,000.Shortly after they bought

the home, it suffered adevastating fire during itsremodeling. The fire hadstarted in an attachedporch and rapidly spreadinto the attic, causing majordamage to the roof area.

The sellers completelyrestored the house.

“They had really goodinsurance, and they spentmore to rehab that part ofthe house than (the amountthat) they sold it for,” listingagent Patrick Turley ofKeller Williams told EliteStreet. “It was excruciat-ingly expensive. They dideverything to the exactingstandards of what hadburned, including doors,beams and flooring.”

The house has 3 1⁄2

baths, two fireplaces, aturret, an updated DruryDesign kitchen with whitecabinetry, and Wolf andSub-Zero appliances, and aheated, three-car garage.The house sits on a 0.71-acre property.

Turley said the ownerssold because they had beendividing their time betweenthe Wheaton house and afarm in Marengo.

The house first waslisted for $950,000 lastNovember and was re-duced to $900,000 in June.

Public records do not yetidentify the buyers.

Bob Goldsborough is a free-lance reporter.

Join our Chicago DreamHomes Facebook group formore luxury listings and realestate news.

This Wheaton home sold for $866,000 on Oct. 1. Designed

by architect Jarvis Hunt, construction finished in 1899.

PORTRAITS OF HOME

EliteContinued from Page 1

Q: My husband and Ibought a home two yearsago, and we had a multi-tude of problems. First,the real estate agentforgot to offer us a walk-through until the lastminute before we weredue at the closing. Goingby her advice and beingon a tight timetable, wedeclined. We only had aVA inspection of thehome.

When we moved in, wenoticed there was waterdamage to the woodfloors and damage thatwas fixed with wood of adifferent color. This dam-age was not noticeableduring the several timeswe saw the home. Therewas spilled paint underone of the beds that wecould see only after thebed was removed. Themaster bath floor had somany cracks that hadbeen covered up by furni-ture and other items.

Once we moved in, oneof our neighbors told usthat the home had dam-age from a tornado sev-eral years back. When Itried to get a new insur-ance quote, I was asked ifI knew there had been$40,000 worth of damageand whether everythinghad been repaired. Ofcourse, we were notaware of the damage andhad no way of knowing.

We went back to bothreal estate agents, butthey didn’t offer anyhelp. I was recently toldit was fraudulent not todisclose the tornadodamage. We are in theprocess of redoing thebathroom and are terri-fied the concrete iscracked.

If this is true that theagents committed fraud,do we have any recourse?We live in Alabama andwould like to sue forundisclosed damages.

A: We hesitate to saythat you have been de-frauded. That’s a strongword and has many legalimplications. For that,you’ll need to sit down withan attorney whose practiceis in the area of seller dis-closure and fraud issues.

But let’s start at the top.For the life of us, we can’tunderstand why you didn’ttake your real estate agent’soffer to see the home be-fore the sale.

But you didn’t. Nowwhat? We can’t speak spe-cifically about Alabamalaw, but most seller disclo-sure laws require the sellerto disclose known defectsor problems the home hasat the time or before yousign the contract. Youmentioned that the floorsare a different color, butthat doesn’t mean they aredefective. The same goesfor the tiles in the bath-room. The paint on thefloor under the bed is an-other problem, but withoutseeing it, it’s hard to knowif it rises to the level ofbeing a defect.

While you referencedcracking concrete, youdidn’t mention whetherthe foundation has prob-lems. If you don’t havefoundation problems, it’spossible all your issues areconsidered cosmetic andnot structural. Fixing tiles,refinishing floorboards andtaking up the paint on thefloor can be costly but may

not rise to the level of fraud— or even a misrepresenta-tion in the seller disclosurestatement.

When you obtainedhomeowners insuranceand learned of the pastdamage, you could haveasked at that point to getmore information. If youask, the seller must behonest with you. In manystates, when a seller makesrepairs to a home, theseller is not obligated to tellyou about those repairs.The seller must only behonest with you aboutwhether they are aware ofany material defects withthe major components ofthe home.

Also, you never men-tioned whether the bro-kers even knew about thehome having survived atornado. If the brokersdidn’t know, they wouldn’thave known to tell you.

If your state requiressellers to disclose tornadodamage to a buyer, thenyou have a case. But wecan’t tell you whether youhave any chance of win-ning if you sued the seller.For that, please consult alitigation attorney withexpertise in seller disclo-sure law.

Ilyce Glink is the CEO ofBest Money Moves, andSamuel J. Tamkin is a realestate attorney. Contactthem through the websiteThinkGlink.com.

Should sellers have disclosedhome’s past tornado damage?

Getting a home inspection and doing a final walk-through

can potentially head off problems that are often too late

to deal with after you’ve closed on a house.

DREAMSTIME

By Ilyce Glink and Samuel J. Tamkin Tribune Content Agency

firm Braun & Rich.Often, a seller will order

a round of home improve-ments. The consequentinvoices from painters,plumbers, electricians,carpenters and landscap-ers sometimes are ignoredor overlooked by harriedsellers. When the contrac-tors aren’t paid, they fileliens against the property.The sale can’t go throughuntil the contractors arepaid.

Similarly, unpaid prop-erty taxes, municipal feesand homeowners’ associ-ation fees come roaringback from the dead atclosing time, say real estatelawyers and title companyexecutives.

If you are buying ahouse, be sure that yourtitle insurance policy cov-ers the gap. And make suresellers pay contractors,taxes and fees promptly.

PermitsOpen permits and con-

struction-related fees canlinger in bureaucraticlimbo, popping up just intime to pox the trans-action, said Braun. Often,homeowners who arerefinancing don’t realizethat such fees and finesmust be satisfied beforethe new mortgage can gothrough, he added.

City of Chicago home-owners must collect confir-mation of zoning certifica-tions and building permitsand proof of payment ofwater bills before a sale canbe completed, said Braun.

Do not count on thestandard property disclo-sure report to reveal theexistence of open permitsor unpermitted work, saidCorey B. Stern, a real estatelawyer with Lisle-basedChitkowski Law Offices.The disclosure is mostuseful as a forensic tool,especially when you com-pare it to the propertyinspection, he said.

“You get into the houseand discover there’s hid-den mold,” said Stern.“Well, that didn’t happen

yesterday. If the house hasbeen on and off the market,compare prior listings withthe current listing to seewhat’s new, then comparethat to the disclosure andthe inspection report.”

Unpermitted or other-wise illegal work can skewthe valuation of a propertyif the purchase price in-cludes the illicit squarefootage, said Jean Brown-hill, founder and CEO ofSweeten,a New York-basedhome improvement serv-ice provider matchmakingplatform opening this fallin Chicago. If someonecalls out the fact that thework is not permitted, youare responsible for bring-ing that space up to code.One unlicensed contractorcan force the code enforce-ment for the entire space.

Often, Brownhill andBraun said, real estateagents gloss over the legalprovenance of question-able space. But if the illegalspace must be deductedfrom the square footage ofthe house, the purchaseprice might need to berecalculated in line withappropriate comparableproperties. That processmight spill into the ap-praisal and mortgage ap-provals, said Brownhill,who is also an architect.

If the seller does notprovide full docu-mentation for all work,including receipts andclosed permits, buyersmust piece together proofof the validity of the work,lest they buy legal liabili-ties along with the house.

Lists and offlineconfirmations

Use a checklist of disclo-sures, inspections, proofs,permits and receipts tobring zombie paperworkinto lethal sunlight. MikeOpyd, a Chicago realtyagent, said that workingthrough a detailed preclos-

ing checklist can keep oldissues from causing troubleto begin with and caneliminate problems at finalwalk-through.

Avoiding wire fraud alsoinvolves meticulous atten-tion to detail. Review everydetail of emails regardingtransactions, including theactual email address. Scan-ning and replying on the gois the perfect setup foroverlooking subtle changesin an email address.

Likewise, if you receivean email with purportedly“corrected” wire transfercoordinates, squelch theurge to be helpful by pro-ceeding with the newinformation. “Corrections”is a favorite ploy of thievesto divert the communica-tion and, quickly thereaf-ter, your money.

Go offline, using phone,fax or in-person communi-cations with the title com-pany, bank and otherparties in the transaction,especially when confirm-ing wire transfer coor-dinates.

Never simply hit “reply”to a communication in-volving wire transfer coor-dinates. Always independ-ently confirm the emailaddress and phone numberof the other party. Conductan online search to confirmthe website address andphone number and call theother party from the inde-pendently confirmed num-ber to confirm the email.

Never call just from anumber included in anemail. Fraudsters set upnumbers to provide falseconfirmation.

Learn more at a con-sumer information web-site, https://stopwire-fraud.org/ sponsored bytitle insurance companiesand financial institutions.

Join our Chicago DreamHomes Facebook group formore luxury listings andreal estate news.

ClosingContinued from Page 1

If someone calls out the fact that the work is not permitted, you are responsible for bringingthat space up to code.

Rate Criteria: The rates and annual percentage rate (APR) are effective as of 10/22/19. All rates, fees and other information are subject to change without notice.RateSeeker, LLC. does not guarantee the accuracy of the information appearing above or the availability of rates and fees in this table. The institutions appearing in thistable pay a fee to appear in this table. Annual percentage rates (APRs) are based on fully indexed rates for adjustable rate mortgages (ARMs). The APR on your spe-cific loan may differ from the sample used. All rates are quoted on a minimum FICO score of 740. Conventional loans are based on loan amounts of $165,000. Jumboloans are based on loan amounts of $484,351. Lock Days: 30-60. Points quoted include discount and/or origination. Payments do not include amounts for taxes and insur-ance. The APR may increase after consummation and may vary. FHA Mortgages include both UFMIP and MIP fees based on a loan amount of $165,000 with 5% downpayment. Points quoted include discount and/or origination. Fees reflect charges relative to the APR. If your down payment is less than 20% of the home’s value,you will be subject to private mortgage insurance, or PMI. VA Mortgages include funding fees based on a loan amount of $165,000 with 5% down payment. Ifyour down payment is less than 20% of the home’s value, you will be subject to private mortgage insurance, or PMI. “Call for Rates” means actual rates were notavailable at press time. To access the NMLS Consumer Access website, please visit www.nmlsconsumeraccess.org. To appear in this table, call 773-320-8492.

Mortgage Guide

Institution 30 yr APR 30 yr Fixed Product Rate Points Fees % Down APR Phone / Website NMLS # / License #

A recent survey asked U.S. homeowners if they plan to renovatetheir home in the next ive years. About 7 in 10 said they would.The more interesting facet, though, is that this was a survey ofhomeowners who are carrying $10,000 or more in unsecureddebt.

Mortgages and car loans are secured debt, so someone withunsecured debt means they owe on credit cards, student loans,personal loans, or other debts that don’t involve collateral, like ahouse, car, or boat.

Still, among the 1,028 indebted homeowners surveyed, 69 per-cent said they plan to renovate in the next ive years. And almosthalf (48 percent) expect to spend more than $15,000. About aquarter (26 percent) project to spend upwards of $25,000.

How do they plan to pay for the renovations?Although 58 percentsaid they had cash savings to contribute, roughly a quarter of re-

spondents said they would tap a home equity loan (29 percent),a credit card (28 percent), and/or a personal loan (24 percent).Since many respondents reported using multiple methods to footthe bill, percentages sum to more than 100 percent.

Across generations, millennial homeowners were the most likelyto take on additional unsecured debt to fund their home improve-ment project, with 36 percent reporting they would use creditcards and 31 percent saying they’d take out a personal loan.

Generation X and baby boomer homeowners leanedmore heav-ily towards home equity loans, at 28 percent and 25 percent, re-spectively. For Gen X, only 21 percent said they would use cardsand 20 percent, a personal loan. Among boomers, 23 percentplanned to use a credit card and just 13 percent, a personal loan.

The online survey was conducted for Freedom Debt Relief byAtomik Research between July 3 and 14, 2019.

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Existing debt not stopping homeowners from renovating

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