1131 Sumner Cir, Gurnee, IL 60031 Property Records

Lake County property record for 1131 Sumner Cir, Gurnee, IL 60031

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,376 sqft · built 1992
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Jun 2021)
Tax Bill	$11,554 (2024)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-17-402-013`

Property Details

APN / Parcel Number

Primary APN	`07-17-402-013`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Stories	2 Stories
Building Area	2,376 sqft Living Area
Gross Area	3,784 sqft
1st Floor Area	1,168 sqft
2nd Floor Area	1,208 sqft
Upper Floors Area	1,208 sqft
Basement Area	928 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
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	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1131 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 77
Legal Subdivision	STONEBROOK ESTATES PHASE 1
Legal Phase	1
Legal Lot Number	77
Jurisdiction	LAKE IL
Township / Civil Division	WARREN
Census Block Group	3
Census Block	3002
Census Tract	861611

Owner

1131 Sumner Cir is owned and occupied by two individuals who bought it in June 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1131 SUMNER CIR, GURNEE, IL 60031-4022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2021	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC
Apr 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2021 · Amount on File
Deed Sale	Jun 17, 2021 · Amount on File
Prior Sale	Apr 7, 2016 · Amount on File
Deed Document Number	20217799068
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Jun 17, 2021
Property Address	1131 SUMNER CIR, GURNEE, IL 60031-4022
Document Number	0007799068
Map Reference	DOC 3182382
Instrument Date	May 21, 2021
Instrument	7799068
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$365.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1131 SUMNER CIR, 1131, GURNEE, IL 60031-4022

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1131 SUMNER CIR, GURNEE, IL 60031-4022

Mortgage

Document Number	0007799069
Date	Jun 17, 2021
Instrument	7799069

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	1131 SUMNER CIR, GURNEE, IL 60031-4022
Transaction Type	Mortgage
Record Updated	Feb 19, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007735436
Date	Jan 7, 2021
Instrument	7735436

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	1131 SUMNER CIR, GURNEE, IL 60031-4022
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007650248
Date	Apr 23, 2020
Instrument	7650248

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Fixed 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		$142,918 Land $17,596 Building $125,322	$428,797 Land $52,793 Building $376,004
2024	$11,554.00 (+10.54%)
2023	$10,452.00 (+10.64%)	$119,127 (+5.2%) Land $14,667 Building $104,460	$357,416 (+5.2%) Land $44,005 Building $313,411
2022	$9,447.00	$113,238 Land $13,833 Building $99,405	$339,748 Land $41,503 Building $298,245

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 1131 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

The area around 1131 Sumner Cir has no burnable land within ember reach, so its wildfire risk is not rated.

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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