140 Oak Ter, Lake Bluff, IL 60044 Property Records

Lake County property record for 140 Oak Ter, Lake Bluff, IL 60044

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,144 sqft · built 1949
Lot Size	0.413 acres (17,999 sqft)
Owner	Individual Name on File
Last Sale	$467,500 (Feb 2013)
Tax Bill	$18,244 (2024)
Deeds & Mortgages	May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-21-304-038`

Property Details

APN / Parcel Number

Primary APN	`12-21-304-038`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,144 sqft Living Area
Gross Area	3,109 sqft
1st Floor Area	2,144 sqft
Basement Area	965 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	17,999 sqft (0.413 acres)
Garage Type	Detached
Garage Area	550 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	140 OAK TER
City	LAKE BLUFF
State	IL
Zip	60044-2760
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGE OF LAKE BLUFF SECOND RAVINE FOREST LOT 45
Legal Subdivision	VILLAGE OF LAKE BLUFF SECOND RAVINE FORE
Legal Lot Number	45
Jurisdiction	LAKE IL
Township / Civil Division	SHIELDS
Census Block Group	1
Census Block	1021
Census Tract	863300

Owner

140 Oak Ter is owned and occupied by an individual who bought it in February 2013.

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

Owner of Record	Individual Name on File
Mailing Address	140 OAK TER, LAKE BLUFF, IL 60044-2760
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2013 · Amount on File
Deed Sale	Feb 6, 2013 · Amount on File
Deed Document Number	20136956013
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	140 OAK TER, LAKE BLUFF, IL 60044-2760
Document Number	0007664748
Instrument Date	May 30, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	140 OAK TER LAKE BLUFF IL 600442760, LAKE BLUFF, IL 60044-2760

Mortgage

Document Number	0007664748
Date	Jun 16, 2020
Instrument	7664748

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 15, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Shields Township
Municipality	Lake Bluff Village
Elementary School District	Lake Bluff Elementary School District 65 (KG - 08)
Secondary School District	Lake Forest Community High School District 115 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$291,747 Land $195,694 Building $96,053	$875,329 Land $587,141 Building $288,188
2024	$18,244.00 (+29.34%)
2023	$14,106.00 (+3.63%)	$259,121 (+26.15%) Land $173,809 Building $85,312	$777,441 (+26.15%) Land $521,479 Building $255,962
2022	$13,612.00	$205,407 Land $137,780 Building $67,627	$616,282 Land $413,381 Building $202,901

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 140 Oak Ter in Zone X, an area of minimal flood risk, though there have been 3 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
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1979–2018)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Jun 2018 · 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 140 Oak Ter 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 96% of the US · lower than 74% 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	LAKE BLUFF serves 5,600 people · EPA ID IL0970750
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2024
Lead	5 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 291 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