Lake County property record for 103 West Dr, Tower Lakes, IL 60010
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 3,325 sqft · built 2004 |
| Lot Size | 0.216 acres (9,400 sqft) |
| Owner | Individual Name on File |
| Last Sale | $435,000 (Jan 2020) |
| Tax Bill | $16,479 (2024) |
| Deeds & Mortgages | Mar 2023 Line of Credit Aug 2018 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13-02-109-003 |
| Primary APN | 13-02-109-003 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 3,325 sqft Living Area |
| Gross Area | 4,706 sqft |
| 1st Floor Area | 1,976 sqft |
| Upper Floors Area | 631 sqft |
| Basement Area | 1,258 sqft |
| Finished Basement | 718 sqft |
| Unfinished Basement | 540 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Lot Area | 9,400 sqft (0.216 acres) |
| Garage Type | Attached |
| Garage Area | 841 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 163 sqft |
| Deck Area | Deck Area |
| Patio Area | 394 sqft |
| Cooling System | Central |
|---|
| Street Address | 103 WEST DR |
|---|---|
| City | TOWER LAKES |
| State | IL |
| Zip | 60010-1174 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TOWER LAKE ESTATES UNIT NO.2 LOT 3 BLOCK 7 |
| Legal Subdivision | TOWER LAKE ESTATES UNIT NO.2 |
| Legal Block | 7 |
| Legal Lot Number | 3 |
| Legal Unit | 2 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | CUBA |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 864303 |
103 West Dr is owned and occupied by an individual who bought it in January 2020.
Source: Lake County records, as of April 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 103 WEST DR, TOWER LAKES, IL 60010-1174 |
| 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 |
|---|---|
| Mar 6, 2023 | Deed of Trust, Mortgage · Line of Credit CRYSTAL LAKE BANK & TRUST COMPANY NA |
| Aug 29, 2018 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA |
| Mar 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GATEWAY MORTGAGE CORP |
| Jan 24, 2020 | Warranty Deed, Transfer · Conventional Mortgage GATEWAY MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 24, 2020 · Amount on File |
| Deed Sale | Jan 24, 2020 · Amount on File |
| Prior Sale | Aug 8, 2001 · Amount on File |
| Deed Document Number | 20207627787 |
| Prior Transfer Date | Oct 4, 2006 |
| Prior Transfer Doc | 0006090576 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 103 WEST DR, TOWER LAKES, IL 60010-1174 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2023 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0007961905 |
|---|---|
| Date | Mar 6, 2023 |
| Instrument | 7961905 |
| Name | CRYSTAL LAKE BANK & TRUST COMPANY NA |
|---|---|
| Type | Bank |
| Address | CRYSTAL LAKE, IL 60014 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.75% |
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 103 WEST DR, TOWER LAKES, IL 60010-1174 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0007509495 |
|---|---|
| Date | Aug 29, 2018 |
| Instrument | 7509495 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 27, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.34% |
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 103 WEST DR, TOWER LAKES, IL 60010-1174 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Title Company | CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0007764242 |
|---|---|
| Date | Mar 17, 2021 |
| Instrument | 7764242 |
| Name | GATEWAY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | KENOSHA, WI 53142 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2036 |
| Rate | 2.25% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Jan 24, 2020 |
| Property Address | 103 WEST DR, TOWER LAKES, IL 60010-1174 |
| Document Number | 0007627787 |
| Map Reference | DOC 499883 |
| Instrument Date | Jan 6, 2020 |
| Instrument | 7627787 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2022 |
| Title Company | CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $435.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 103 WEST DR, TOWER LAKES, IL 60010-1174 |
| Document Number | 0007627788 |
|---|---|
| Date | Jan 24, 2020 |
| Instrument | 7627788 |
| Name | GATEWAY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2035 |
| Rate | 3.25% |
|---|
Source: Lake County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Lake County |
| County Subdivision | Cuba Township |
| Municipality | Tower Lakes Village |
| Unified School District | Barrington Community Unit School District 220 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $233,310 Land $15,869 Building $217,441 | $700,000 Land $47,612 Building $652,388 | |
| 2024 | $16,479.00 (+65.58%) | ||
| 2023 | $9,952.00 (+1.74%) | $207,334 (+54.68%) Land $13,639 Building $193,695 | $622,064 (+54.68%) Land $40,921 Building $581,143 |
| 2022 | $9,782.00 | $134,044 Land $15,430 Building $118,614 | $402,173 Land $46,295 Building $355,878 |
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.
FEMA maps place 103 West Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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 103 West Dr is low, with less than 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 98% of the US · lower than 86% of Illinois |
|---|---|
| Wildfire Likelihood | Under 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 | TOWER LAKES serves 1,372 people · EPA ID IL0975010 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | 19 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 21 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.
Source: FCC Broadband Data Collection, based on 99 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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