1011 Cardinal Dr, Zion, IL 60099 Property Records

Lake County property record for 1011 Cardinal Dr, Zion, IL 60099

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,210 sqft · built 1999
Lot Size	0.229 acres (9,980 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,000 (Mar 2021)
Tax Bill	$7,181 (2024)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-07-308-003`

Property Details

APN / Parcel Number

Primary APN	`04-07-308-003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,210 sqft Living Area
Gross Area	2,860 sqft
1st Floor Area	1,210 sqft
Basement Area	1,210 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,980 sqft (0.229 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	22 sqft
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1011 CARDINAL DR
City	ZION
State	IL
Zip	60099-5426
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRYWOOD HILLS PHASE ONE; LOT 31
Legal Subdivision	COUNTRYWOOD HILLS PHASE ONE
Legal Phase	1
Legal Lot Number	31
Jurisdiction	LAKE IL
Township / Civil Division	ZION
Census Block Group	2
Census Block	2014
Census Tract	860106

Owner

Source: Lake County records, as of April 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1011 CARDINAL DR, ZION, IL 60099-5426
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2021	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Oct 3, 2019	Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2021 · Amount on Record
Deed Sale	Mar 2, 2021 · Amount on Record
Prior Sale	Oct 3, 2019 · Amount on Record
Deed Document Number	20217756394
Prior Transfer Date	Oct 23, 2014
Prior Transfer Doc	0007142588
Record Updated	Jun 8, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Mar 2, 2021
Property Address	1011 CARDINAL DR, ZION, IL 60099-5426
Document Number	0007756394
Map Reference	DOC 3797144
Instrument Date	Nov 17, 2020
Instrument	7756394
Transaction Type	Transfer
Record Updated	Mar 17, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1011 CARDINAL DR, ZION, IL 60099-5426

Mortgage

Document Number	0007756396
Date	Mar 2, 2021
Instrument	7756396

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Dec 1, 2050

October 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE IL
Recording Date	Oct 3, 2019
Property Address	1011 CARDINAL DR, ZION, IL 60099-5426
Document Number	0007597576
Map Reference	DOC 3797144
Instrument Date	Sep 13, 2019
Instrument	7597576
Transaction Type	Transfer
Record Updated	Mar 17, 2022
Title Company	BLACKHAWK TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1011 CARDINAL DR, ZION, IL 60099-5426

Mortgage

Document Number	0007597577
Date	Oct 3, 2019
Instrument	7597577

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Interest

Rate	4.37%

Mortgage

Document Number	0007597578
Date	Oct 3, 2019
Instrument	7597578

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Zion Township
Municipality	Zion City
Elementary School District	Beach Park Community Consolidated School District 3 (PK - 08)
Secondary School District	Zion-Benton Township High School District 126 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$75,736 (+23.32%) Land $10,811 Building $64,925	$227,230 (+23.32%) Land $32,436 Building $194,794
2024	$7,181.00 (+8%)
2023	$6,649.00 (+1.67%)	$61,415 (+7.81%) Land $8,767 Building $52,648	$184,264 (+7.81%) Land $26,304 Building $157,960
2022	$6,540.00	$56,964 Land $7,203 Building $49,761	$170,909 Land $21,611 Building $149,298

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

Source: FEMA National Flood Hazard Layer, effective February 20, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 98% of the US · lower than 86% 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	ZION serves 24,442 people · EPA ID IL0972000
Water Source	Purchased surface water from LAKE COUNTY PUBLIC WATER DISTRICT
Last State Inspection	Aug 2025
Lead	11 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 163 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: Verizon.

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