10 Spencer Ct, Deerfield, IL 60015 Property Records

Lake County property record for 10 Spencer Ct, Deerfield, IL 60015

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,229 sqft · built 1998
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on File
Last Sale	$571,000 (Apr 2016)
Tax Bill	$24,669 (2024)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-32-316-038`

Property Details

APN / Parcel Number

Primary APN	`16-32-316-038`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Stories	2 Stories
Building Area	3,229 sqft Living Area
Gross Area	5,468 sqft
1st Floor Area	1,807 sqft
2nd Floor Area	1,422 sqft
Upper Floors Area	1,422 sqft
Basement Area	1,807 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Attached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10 SPENCER CT
City	DEERFIELD
State	IL
Zip	60015-4736
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE-WIL RESUB; LOT 8
Legal Subdivision	LAKE-WIL RESUB
Legal Lot Number	8
Jurisdiction	LAKE IL
Township / Civil Division	WEST DEERFIELD
Census Block Group	2
Census Block	2018
Census Tract	864903

Owner

10 Spencer Ct is owned and occupied by an individual who bought it in April 2016.

Source: Lake County records, as of July 30, 2026

Owner of Record	Individual Name on File
Mailing Address	10 SPENCER CT, DEERFIELD, IL 60015-4736
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2016 · Amount on File
Deed Sale	Apr 25, 2016 · Amount on File
Prior Sale	Jul 12, 1999 · Amount on File
Deed Document Number	20167286525
Prior Transfer Date	Feb 22, 2011
Prior Transfer Doc	0006714305
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	10 SPENCER CT, DEERFIELD, IL 60015-4736
Transaction Type	Mortgage
Record Updated	Jun 4, 2021
Title Company	ACQUEST TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007777979
Date	Apr 20, 2021
Instrument	7777979

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	CHICAGO, IL 60615

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

Tax Assessment & Valuation

Source: Lake County assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	West Deerfield Township
Municipality	Deerfield Village
Elementary School District	Deerfield School District 109 (PK - 08)
Secondary School District	Township High School District 113 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$288,836 Land $47,977 Building $240,859	$866,594 Land $143,945 Building $722,649
2024	$24,669.00 (+17.24%)
2023	$21,042.00 (+6.45%)	$222,959 (-1.83%) Land $41,044 Building $181,915	$668,944 (-1.83%) Land $123,144 Building $545,800
2022	$19,767.00	$227,109 Land $44,190 Building $182,919	$681,395 Land $132,583 Building $548,812

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 10 Spencer Ct in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective February 20, 2024 · 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1978–1982)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 1982 · rainfall accumulation

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 10 Spencer Ct 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	DEERFIELD serves 19,196 people · EPA ID IL0974340
Water Source	Purchased surface water from HIGHLAND PARK
Last State Inspection	Oct 2025
Lead	5 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	6 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 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20