1432 3rd St, Winthrop Harbor, IL 60096 Property Records

Lake County property record for 1432 3rd St, Winthrop Harbor, IL 60096

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,925 sqft · built 1999
Lot Size	0.62 acres (26,998 sqft)
Owner	2 Individual Names on Record
Last Sale	$252,000 (Oct 2004)
Tax Bill	$13,628 (2024)
Deeds & Mortgages	Dec 2020 Mortgage Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-03-300-023`

Property Details

APN / Parcel Number

Primary APN	`04-03-300-023`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,925 sqft Living Area
Gross Area	3,430 sqft
1st Floor Area	1,875 sqft
2nd Floor Area	50 sqft
Upper Floors Area	50 sqft
Basement Area	925 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Tri-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Fiberglass
Lot Area	26,998 sqft (0.62 acres)
Lot Dimensions	270 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	580 sqft
Parking Spaces	7 Parking Spaces
Deck Area	80 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Water Source	Well

Location & Zoning

Street Address	1432 3RD ST
City	WINTHROP HARBOR
State	IL
Zip	60096-1312
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E100 FT W712 FT S300 FT E OF SHERIDAN RD N1/2 W1/2 SECTION 3 TOWNSHIP 46 RANGE 12
Legal Range	12
Legal Township	46
Legal Section	03
Legal Lot Number	20
Jurisdiction	LAKE IL
Township / Civil Division	BENTON
Census Block Group	1
Census Block	1003
Census Tract	860103

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	1432 3RD ST, WINTHROP HARBOR, IL 60096-1312
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage ABBOTT LABORATORIES EMPLOYEES CU
Aug 11, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2004 · Amount on Record
Deed Sale	Oct 11, 2004 · Amount on Record
Prior Sale	Aug 20, 1998 · Amount on Record
Deed Document Number	20045661328
Last Transfer Date	Jun 18, 2021
Transfer Doc	0007816990
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	1432 3RD ST, WINTHROP HARBOR, IL 60096-1312
Transaction Type	Mortgage
Record Updated	Sep 24, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007730601
Date	Dec 22, 2020
Instrument	7730601

Lender

Name	ABBOTT LABORATORIES EMPLOYEES CU
Type	Credit Union
Address	GURNEE, IL 60031

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2041

Interest

Rate Type	Fixed Rate
Rate	3%

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE IL
Recording Date	Aug 11, 2021
Property Address	1432 3RD ST, WINTHROP HARBOR, IL 60096-1312
Document Number	0007816990
Instrument Date	Jun 18, 2021
Instrument	7816990
Transaction Type	Transfer
Record Updated	Sep 24, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1432 3RD ST, WINTHROP HARBOR, IL 60096-1312

Mortgage

Document Number	0007816991
Date	Aug 11, 2021
Instrument	7816991

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.37%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Benton Township
Municipality	Winthrop Harbor Village
Elementary School District	Winthrop Harbor School District 1 (PK - 08)
Secondary School District	Zion-Benton Township High School District 126 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$157,097 (+16.84%) Land $13,359 Building $143,738	$471,338 (+16.84%) Land $40,081 Building $431,257
2024	$13,628.00 (+22.29%)
2023	$11,144.00 (-2.37%)	$134,457 (+24.69%) Land $11,767 Building $122,690	$403,412 (+24.69%) Land $35,305 Building $368,107
2022	$11,415.00	$107,831 Land $11,458 Building $96,373	$323,525 Land $34,377 Building $289,148

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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	Low lower than 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	0.02% 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	WINTHROP HARBOR serves 6,565 people · EPA ID IL0971950
Water Source	Purchased surface water from LAKE COUNTY PUBLIC WATER DISTRICT
Last State Inspection	Apr 2025
Lead	5 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	16 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 147 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

May also be available: AT&T.

Nearby Properties on 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures