Lake County property record for 1021 Cedar Ln, Lake Forest, IL 60045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 5.5 ba · 5,592 sqft · built 2005 |
| Lot Size | 1.38 acres (60,113 sqft) |
| Owner | Individual Name on File |
| Last Sale | $563,743 (Apr 2003) |
| Tax Bill | $27,922 (2024) |
| Deeds & Mortgages | Feb 2023 Line of Credit May 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-06-403-005 |
| Primary APN | 16-06-403-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 19 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 5,592 sqft Living Area |
| Gross Area | 9,382 sqft |
| 1st Floor Area | 2,636 sqft |
| 2nd Floor Area | 2,956 sqft |
| Upper Floors Area | 3,083 sqft |
| Basement Area | 2,636 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 60,113 sqft (1.38 acres) |
| Garage Type | Attached |
| Garage Area | 959 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 249 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1021 CEDAR LN |
|---|---|
| City | LAKE FOREST |
| State | IL |
| Zip | 60045-2621 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MERDEL SUB LOT 4 |
| Legal Subdivision | MERDEL SUB |
| Legal Lot Number | 4 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | WEST DEERFIELD |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 864601 |
1021 Cedar Ln is owned and occupied by an individual who acquired it in May 2022.
Source: Lake County records, as of April 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1021 CEDAR LN, LAKE FOREST, IL 60045-2621 |
| 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.
| Date | Document |
|---|---|
| Feb 22, 2023 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| May 11, 2022 | Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Feb 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage INLAND BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 14, 2003 · Amount on File |
| Deed Sale | Apr 14, 2003 · Amount on File |
| Prior Sale | Feb 7, 1997 · Amount on File |
| Deed Document Number | 20035186139 |
| Last Transfer Date | May 3, 2022 |
| Transfer Doc | 0007903020 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 1021 CEDAR LN, LAKE FOREST, IL 60045-2621 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1021 CEDAR LN, LAKE FOREST, IL 60045-2621 |
| Document Number | 0007960041 |
|---|---|
| Date | Feb 22, 2023 |
| Instrument | 7960041 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 3, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | May 11, 2022 |
| Property Address | 1021 CEDAR LN, LAKE FOREST, IL 60045-2621 |
| Document Number | 0007903020 |
| Instrument Date | May 3, 2022 |
| Instrument | 7903020 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1021 CEDAR LN, LAKE FOREST, IL 60045-2621 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 1021 CEDAR LN, LAKE FOREST, IL 60045-2621 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0007873336 |
|---|---|
| Date | Feb 14, 2022 |
| Instrument | 7873336 |
| Name | INLAND BANK & TRUST |
|---|---|
| Type | Bank |
| Address | GENEVA, IL 60134 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 355 Months |
| Due | Sep 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Sep 1, 2036 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.62% |
| Index | Other |
| Margin | 3 |
| Max Rate | 7.62% |
Source: Lake County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Lake County |
| County Subdivision | West Deerfield Township |
| Municipality | Lake Forest City |
| Elementary School District | Lake Forest School District 67 (PK - 08) |
| Secondary School District | Lake Forest Community High School District 115 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $535,592 Land $171,037 Building $364,555 | $1,606,936 Land $513,162 Building $1,093,774 | |
| 2024 | $27,922.00 (+4.94%) | ||
| 2023 | $26,607.00 (+5.77%) | $458,200 (+1.96%) Land $146,322 Building $311,878 | $1,374,738 (+1.96%) Land $439,010 Building $935,728 |
| 2022 | $25,155.00 | $449,408 Land $154,110 Building $295,298 | $1,348,359 Land $462,376 Building $885,983 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1021 Cedar Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 2 (1979–2010) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | May 2010 · 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 risk around 1021 Cedar 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 80% of the US · above 71% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAKE FOREST serves 19,642 people · EPA ID IL0970800 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 21 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 100 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 |
| AT&T DSL | 100 / 20 |
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