1083 Sumner Cir, Gurnee, IL 60031 Property Records

Lake County property record for 1083 Sumner Cir, Gurnee, IL 60031

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,295 sqft · built 1993
Lot Size	0.23 acres (10,001 sqft)
Owner	Individual Name on File
Last Sale	$346,500 (Feb 2022)
Tax Bill	$11,685 (2024)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Feb 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-17-402-004`

Property Details

APN / Parcel Number

Primary APN	`07-17-402-004`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,295 sqft Living Area
Gross Area	3,773 sqft
1st Floor Area	1,242 sqft
2nd Floor Area	1,053 sqft
Upper Floors Area	1,053 sqft
Basement Area	1,058 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,001 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	100 sqft
Patio Area	434 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1083 SUMNER CIR
City	GURNEE
State	IL
Zip	60031-4022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STONEBROOK ESTATES PHASE 1; LOT 82
Legal Subdivision	STONEBROOK ESTATES PHASE 1
Legal Phase	1
Legal Lot Number	82
Jurisdiction	LAKE IL
Township / Civil Division	WARREN
Census Block Group	3
Census Block	3002
Census Tract	861611

Owner

1083 Sumner Cir is owned and occupied by an individual who bought it in February 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1083 SUMNER CIR, GURNEE, IL 60031-4022
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
Feb 9, 2022	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Feb 26, 2019	Deed of Trust, Mortgage · Conventional with PMI BAY EQUITY
Jun 8, 2018	Warranty Deed, Transfer · ARM ANGEL OAK MORTGAGE SOLUTIONS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 9, 2022 · Amount on File
Deed Sale	Feb 9, 2022 · Amount on File
Prior Sale	Jun 8, 2018 · Amount on File
Deed Document Number	20227872223
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Feb 9, 2022
Property Address	1083 SUMNER CIR, GURNEE, IL 60031-4022
Document Number	0007872223
Map Reference	DOC 3182382
Instrument Date	Dec 13, 2021
Instrument	7872223
Transaction Type	Transfer
Record Updated	Feb 28, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$346.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1083 SUMNER CIR, GURNEE, IL 60031-4022

Mortgage

Document Number	0007872224
Date	Feb 9, 2022
Instrument	7872224

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2052

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	1083 SUMNER CIR, GURNEE, IL 60031-4022
Document Number	0007547273
Instrument Date	Feb 26, 2019
Transaction Type	Mortgage
Record Updated	Mar 21, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1083 SUMNER CIR GURNEE IL 600314022, GURNEE, IL 60031-4022

Mortgage

Document Number	0007547273
Date	Mar 6, 2019
Instrument	7547273

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 5, 2049

Interest

Rate Type	Fixed Rate
Rate	5.62%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Jun 8, 2018
Property Address	1083 SUMNER CIR, GURNEE, IL 60031-4022
Document Number	0007489498
Map Reference	DOC3210308
Instrument Date	Jun 5, 2018
Instrument	7489498
Transaction Type	Transfer
Record Updated	Mar 17, 2022
Title Company	GREATER METROPOLITAN TITLE L

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	633 VERSAILLES DR, 633, BARTLETT, IL 60103-2325

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1083 SUMNER CIR, GURNEE, IL 60031-4022

Mortgage

Document Number	0007489499
Date	Jun 8, 2018
Instrument	7489499

Lender

Name	ANGEL OAK MORTGAGE SOLUTIONS LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	7.99%
Type Change Date	Jul 1, 2023
Change Frequency	Annually
Min Rate At Change	5.99%
Max Rate At Change	9.99%
Index	1-Year LIBOR
Margin	4
Max Rate	12.9%

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		$144,436 Land $17,594 Building $126,842	$433,351 Land $52,787 Building $380,564
2024	$11,685.00 (+17.1%)
2023	$9,979.00 (+10.66%)	$120,391 (+11.08%) Land $14,665 Building $105,726	$361,209 (+11.08%) Land $43,999 Building $317,210
2022	$9,018.00	$108,379 Land $13,831 Building $94,548	$325,169 Land $41,497 Building $283,672

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

FEMA maps place 1083 Sumner Cir in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2017–2022)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2022 · other causes

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 1083 Sumner Cir 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.

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 140 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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