1048 Spruce St, Gurnee, IL 60031 Property Records

Lake County property record for 1048 Spruce St, Gurnee, IL 60031

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,386 sqft · built 1989
Lot Size	0.422 acres (18,391 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,757 (2024)
Deeds & Mortgages	Jul 2018 Mortgage Jan 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-15-304-003`

Property Details

APN / Parcel Number

Primary APN	`07-15-304-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,386 sqft Living Area
Gross Area	1,906 sqft
1st Floor Area	1,386 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1991
Architectural Style	Tri-Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	18,391 sqft (0.422 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Patio Area	548 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1048 SPRUCE ST
City	GURNEE
State	IL
Zip	60031-4908
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RESUBDIVISION OF LOT 2 OF CLARKS SUBDIVISION; LOT6 LOT 6
Legal Subdivision	RESUBDIVISION
Legal Lot Number	2,6
Jurisdiction	LAKE IL
Township / Civil Division	WARREN
Census Block Group	2
Census Block	2026
Census Tract	861509

Owner

1048 Spruce St is owned and occupied by two individuals who acquired it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	111 GOLDEN DR, SERGEANT BLUFF, IA 51054-8918
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage CONSUMERS CU
Jan 28, 2017	Deed of Trust, Mortgage · Line of Credit CONSUMERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 17, 2025
Transfer Doc	0008109828
Record Updated	Jun 8, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	1048 SPRUCE ST, GURNEE, IL 60031-4908
Document Number	0007500719
Instrument Date	Jul 9, 2018
Transaction Type	Mortgage
Record Updated	Aug 9, 2018
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1048 SPRUCE ST GURNEE IL 600314908, GURNEE, IL 60031-4908

Mortgage

Document Number	0007500719
Date	Jul 24, 2018
Instrument	7500719

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	GURNEE, IL 60031-1811

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 23, 2028

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	1048 SPRUCE ST, GURNEE, IL 60031-4908
Document Number	0007372791
Instrument Date	Jan 28, 2017
Transaction Type	Mortgage
Record Updated	Feb 27, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1048 SPRUCE ST GURNEE IL 600314908, GURNEE, IL 60031-4908

Mortgage

Document Number	0007372791
Date	Feb 14, 2017
Instrument	7372791

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	GURNEE, IL 60031-1811

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Feb 13, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Warren Township
Municipality	Gurnee Village
Secondary School District	Warren Township High School District 121 (09 - 12)
Elementary School District	Woodland Community Consolidated School District 50 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$100,198 Land $13,594 Building $86,604	$300,624 Land $40,786 Building $259,838
2024	$7,757.00 (+20.98%)
2023	$6,412.00 (+10.72%)	$83,590 (+18.19%) Land $11,341 Building $72,249	$250,795 (+18.19%) Land $34,026 Building $216,769
2022	$5,791.00	$70,727 Land $12,686 Building $58,041	$212,202 Land $38,062 Building $174,140

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1048 Spruce St in Zone X, an area of minimal flood risk, though there have been 57 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 32 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	32 in force
Nearby Flood Claims	57 (1979–2024)
Claims Outside the SFHA	9 of 57
Most Recent Claim	Jul 2024 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 6 claims Severe Storms & Flooding, Jun 1993 · 15 claims

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

Wildfire risk around 1048 Spruce St 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 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	GURNEE serves 30,193 people · EPA ID IL0970350
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 122 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 · Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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