Lake County property record for 108 E Old Elm Rd, Lake Forest, IL 60045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,278 sqft · built 1965 |
| Lot Size | 0.288 acres (12,524 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $400,000 (Jun 2018) |
| Tax Bill | $10,477 (2024) |
| Deeds & Mortgages | Apr 2024 Reverse Mortgage Sep 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-09-119-015 |
| Primary APN | 16-09-119-015 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,278 sqft Living Area |
| Gross Area | 3,504 sqft |
| 1st Floor Area | 1,387 sqft |
| 2nd Floor Area | 891 sqft |
| Upper Floors Area | 891 sqft |
| Basement Area | 720 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 12,524 sqft (0.288 acres) |
| Lot Dimensions | 167 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 91 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 108 E OLD ELM RD |
|---|---|
| City | LAKE FOREST |
| State | IL |
| Zip | 60045-2913 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H.O. STONE & COS LAKE FOREST ADD; TH PT LOT 15 LYG NELY OF A LN DRWN FRM APNT IN W LN SD LOT 85FT N OF SW COR TO THE SE COR SD LOT & ALL LOT 16 BLOCK 14 |
| Legal Subdivision | H.O. STONE & COS LAKE FOREST ADD |
| Legal Block | 14 |
| Legal Lot Number | 15 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | WEST DEERFIELD |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 864602 |
Source: Lake County records, as of October 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 108 E OLD ELM RD, LAKE FOREST, IL 60045-2913 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 4, 2024 | Deed of Trust, Mortgage · Reverse Mortgage THE HUNTINGTON NATIONAL BANK |
| Sep 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST MIDWEST BANK |
| Jan 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST MIDWEST BANK |
| Jun 19, 2018 | Warranty Deed, Transfer · Conventional Mortgage BJV FINANCIAL SERVICES INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 19, 2018 · Amount on Record |
| Deed Sale | Jun 19, 2018 · Amount on Record |
| Deed Document Number | 20187492019 |
| Prior Transfer Date | Apr 15, 1999 |
| Prior Transfer Doc | 0004351355 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 108 E OLD ELM RD, LAKE FOREST, IL 60045-2913 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2024 |
| Name | Verified Name |
|---|---|
| Address | 108 E OLD ELM RD, LAKE FOREST, IL 60045-2913 |
| Document Number | 0008027539 |
|---|---|
| Date | Apr 4, 2024 |
| Instrument | 8027539 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | 5555 CLEVELAND AVE, COLUMBUS, OH 43231 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 21, 2054 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 108 E OLD ELM RD, LAKE FOREST, IL 60045-2913 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2021 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0007825941 |
|---|---|
| Date | Sep 14, 2021 |
| Instrument | 7825941 |
| Name | FIRST MIDWEST BANK |
|---|---|
| Type | Bank |
| Address | GURNEE, IL 60031 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 176 Months |
| Due | May 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 108 E OLD ELM RD, LAKE FOREST, IL 60045-2913 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0007630395 |
|---|---|
| Date | Jan 31, 2020 |
| Instrument | 7630395 |
| Name | FIRST MIDWEST BANK |
|---|---|
| Type | Bank |
| Address | GURNEE, IL 60031 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 1, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Jun 19, 2018 |
| Property Address | 108 E OLD ELM RD, LAKE FOREST, IL 60045-2913 |
| Document Number | 0007492019 |
| Map Reference | DOC249300 |
| Instrument Date | May 30, 2018 |
| Instrument | 7492019 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2022 |
| Title Company | PROPER TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $400.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 108 E OLD ELM RD, LAKE FOREST, IL 60045-2913 |
| Document Number | 0007492020 |
|---|---|
| Date | Jun 19, 2018 |
| Instrument | 7492020 |
| Name | BJV FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2048 |
| Rate | 4.5% |
|---|
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 | $192,789 (+9.24%) Land $88,590 Building $104,199 | $578,425 (+9.24%) Land $265,797 Building $312,628 | |
| 2024 | $10,477.00 (+32.05%) | ||
| 2023 | $7,934.00 (+5.9%) | $176,477 (+27.67%) Land $81,094 Building $95,383 | $529,484 (+27.67%) Land $243,306 Building $286,178 |
| 2022 | $7,492.00 | $138,225 Land $85,392 Building $52,833 | $414,717 Land $256,202 Building $158,515 |
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.
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 Record median of 12 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 15 (1982–2022) |
| Claims Outside the SFHA | 7 of 15 |
| Most Recent Claim | Jul 2022 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% 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.
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 251 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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