1096 Sumner Cir, Gurnee, IL 60031 Property Records

Lake County property record for 1096 Sumner Cir, Gurnee, IL 60031

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,366 sqft · built 1993
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Jul 2019)
Tax Bill	$11,488 (2024)
Deeds & Mortgages	Jul 2019 Sale & Mortgage Feb 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-17-401-003`

Property Details

APN / Parcel Number

Primary APN	`07-17-401-003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	2,366 sqft Living Area
Gross Area	3,832 sqft
1st Floor Area	1,190 sqft
2nd Floor Area	1,176 sqft
Upper Floors Area	1,176 sqft
Basement Area	1,046 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)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	116 sqft
Patio Area	294 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1096 SUMNER CIR
City	GURNEE
State	IL
Zip	60031-4021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STONEBROOK ESTATES PHASE 1; LOT 57
Legal Subdivision	STONEBROOK ESTATES PHASE 1
Legal Phase	1
Legal Lot Number	57
Jurisdiction	LAKE IL
Township / Civil Division	WARREN
Census Block Group	3
Census Block	3001
Census Tract	861611

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1096 SUMNER CIR, GURNEE, IL 60031-4021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2019	Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Feb 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage HOMESERVICES LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2019 · Amount on Record
Deed Sale	Jul 9, 2019 · Amount on Record
Prior Sale	Aug 10, 2015 · Amount on Record
Deed Document Number	20197575007
Prior Transfer Date	Apr 13, 2010
Prior Transfer Doc	0006594684
Record Updated	Oct 29, 2026

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE IL
Recording Date	Jul 9, 2019
Property Address	1096 SUMNER CIR, GURNEE, IL 60031-4021
Document Number	0007575007
Map Reference	DOC 3210308
Instrument Date	Jun 28, 2019
Instrument	7575007
Transaction Type	Transfer
Record Updated	Mar 17, 2022
Title Company	FORT DEARBORN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1096 SUMNER CIR, GURNEE, IL 60031-4021

Mortgage

Document Number	0007575008
Date	Jul 9, 2019
Instrument	7575008

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Interest

Rate	3.75%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	1096 SUMNER CIR, GURNEE, IL 60031-4021
Document Number	0007544585
Instrument Date	Feb 13, 2019
Transaction Type	Mortgage
Record Updated	Mar 7, 2019
Title Company	FORT DEARBORN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	1096 SUMNER CIR GURNEE IL 600314021, GURNEE, IL 60031-4021

Mortgage

Document Number	0007544585
Date	Feb 21, 2019
Instrument	7544585

Lender

Name	HOMESERVICES LNDG
Address	WEST DES MOINES, IA 50266

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2049

Interest

Rate Type	Fixed Rate
Rate	4.75%

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		$142,145 (+19.97%) Land $17,596 Building $124,549	$426,477 (+19.97%) Land $52,793 Building $373,684
2024	$11,488.00 (+11.09%)
2023	$10,341.00 (+10.65%)	$118,483 (+5.69%) Land $14,667 Building $103,816	$355,484 (+5.7%) Land $44,005 Building $311,479
2022	$9,346.00	$112,099 Land $13,833 Building $98,266	$336,330 Land $41,503 Building $294,827

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

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
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 192 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 Fixed Wireless · DSL	100 / 20

May also be available: E-vergent.

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