Lake County property record for 146 E Louis Ave, Lake Forest, IL 60045
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,322 sqft · built 1965 |
| Lot Size | 0.293 acres (12,750 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $600,000 (Oct 2010) |
| Tax Bill | $11,560 (2024) |
| Deeds & Mortgages | Jan 2022 Mortgage Apr 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-09-108-022 |
| Primary APN | 16-09-108-022 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,322 sqft Living Area |
| Gross Area | 3,822 sqft |
| 1st Floor Area | 1,350 sqft |
| 2nd Floor Area | 972 sqft |
| Upper Floors Area | 972 sqft |
| Basement Area | 972 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 12,750 sqft (0.293 acres) |
| Lot Dimensions | 170 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 146 E LOUIS AVE |
|---|---|
| City | LAKE FOREST |
| State | IL |
| Zip | 60045-2941 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H.O.STONE & COS LAKE FOREST ADD. LOT 24 BLOCK 9 |
| Legal Subdivision | H.O.STONE & COS LAKE FOREST ADD. |
| Legal Block | 9 |
| Legal Lot Number | 24 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | WEST DEERFIELD |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 864602 |
146 E Louis Ave is owned and occupied by two individuals who bought it in October 2010.
Source: Lake County records, as of April 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 146 E LOUIS AVE, LAKE FOREST, IL 60045-2941 |
| 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.
| Date | Document |
|---|---|
| Jan 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA |
| Apr 19, 2017 | Deed of Trust, Mortgage · ARM CITIZENS BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 25, 2010 · Amount on File |
| Deed Sale | Oct 25, 2010 · Amount on File |
| Prior Sale | Jul 23, 2003 · Amount on File |
| Deed Document Number | 20106661206 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 146 E LOUIS AVE, LAKE FOREST, IL 60045-2941 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0007862235 |
|---|---|
| Date | Jan 18, 2022 |
| Instrument | 7862235 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Nov 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Type Change Date | Nov 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.37% |
| Index | Other |
| Max Rate | 8.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 146 E LOUIS AVE, LAKE FOREST, IL 60045-2941 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0007387997 |
|---|---|
| Date | Apr 19, 2017 |
| Instrument | 7387997 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | May 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.75% |
| Index | 1-Year LIBOR |
| Max Rate | 8.75% |
Source: Lake County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Lake County |
| County Subdivision | West Deerfield Township |
| Municipality | Lake Forest City |
| Elementary School District | Lake Forest School District 67 (PK - 08) |
| Secondary School District | Lake Forest Community High School District 115 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $220,430 Land $78,594 Building $141,836 | $661,357 Land $235,806 Building $425,551 | |
| 2024 | $11,560.00 (+22.63%) | ||
| 2023 | $9,427.00 (+5.99%) | $201,779 (+20.03%) Land $71,944 Building $129,835 | $605,398 (+20.03%) Land $215,854 Building $389,544 |
| 2022 | $8,894.00 | $168,101 Land $67,770 Building $100,331 | $504,353 Land $203,330 Building $301,023 |
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.
FEMA maps place 146 E Louis Ave in Zone X, an area of minimal flood risk, though there have been 15 flood claims nearby since 1982.
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 |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 15 (1982–2022) |
| Claims Outside the SFHA | 7 of 15 |
| Most Recent Claim | Jul 2022 · rainfall accumulation |
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 risk around 146 E Louis Ave 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAKE FOREST serves 19,642 people · EPA ID IL0970800 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 21 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 251 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 |
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