Lake County property record for 15 Clover Ln, Lake Bluff, IL 60044
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,173 sqft · built 1996 |
| Lot Size | 0.413 acres (17,999 sqft) |
| Owner | Individual Name on File |
| Last Sale | $405,000 (Jun 2022) |
| Tax Bill | $10,592 (2024) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Dec 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-19-205-002 |
| Primary APN | 12-19-205-002 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,173 sqft Living Area |
| Gross Area | 4,830 sqft |
| 1st Floor Area | 2,173 sqft |
| Basement Area | 2,173 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 17,999 sqft (0.413 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 56 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 15 CLOVER LN |
|---|---|
| City | LAKE BLUFF |
| State | IL |
| Zip | 60044-1722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROCKLAND MANOR LOT 55 |
| Legal Subdivision | ROCKLAND MANOR |
| Legal Lot Number | 55 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | SHIELDS |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 863202 |
15 Clover Ln is owned and occupied by an individual who bought it in June 2022.
Source: Lake County records, as of April 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 15 CLOVER LN, LAKE BLUFF, IL 60044-1722 |
| 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 |
|---|---|
| Jun 27, 2022 | Warranty Deed, Transfer · Conventional Mortgage GO MORTGAGE LLC |
| Dec 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NOVUS HOME MORTGAGE |
| Mar 23, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage PANORAMA MORTGAGE GROUP LLC |
| Jan 10, 2017 | Deed, Transfer · Conventional Mortgage MORTGAGE MASTER NATIONAL |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 27, 2022 · Amount on File |
| Deed Sale | Jun 27, 2022 · Amount on File |
| Prior Sale | Jan 10, 2017 · Amount on File |
| Deed Document Number | 20227914192 |
| Prior Transfer Date | Feb 14, 2020 |
| Prior Transfer Doc | 0007643269 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Jun 27, 2022 |
| Property Address | 15 CLOVER LN, LAKE BLUFF, IL 60044-1722 |
| Document Number | 0007914192 |
| Map Reference | DOC 247686 |
| Instrument Date | Jun 9, 2022 |
| Instrument | 7914192 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $405.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15 CLOVER LN, 15, LAKE BLUFF, IL 60044-1722 |
| Name | Verified Name |
|---|---|
| Address | 15 CLOVER LN, LAKE BLUFF, IL 60044-1722 |
| Document Number | 0007914193 |
|---|---|
| Date | Jun 27, 2022 |
| Instrument | 7914193 |
| Name | GO MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 15 CLOVER LN, LAKE BLUFF, IL 60044-1722 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CITYWIDE TITLE CORPORATION |
| Name | Verified Name |
|---|
| Document Number | 0007728170 |
|---|---|
| Date | Dec 16, 2020 |
| Instrument | 7728170 |
| Name | NOVUS HOME MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | WAUKESHA, WI 53186 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Mar 23, 2020 |
| Property Address | 15 CLOVER LN, LAKE BLUFF, IL 60044-1722 |
| Document Number | 0007643269 |
| Instrument Date | Feb 14, 2020 |
| Instrument | 7643269 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2022 |
| Title Company | CITYWIDE TITLE CORPORATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 15 CLOVER LN, LAKE BLUFF, IL 60044-1722 |
| Document Number | 0007643270 |
|---|---|
| Date | Mar 23, 2020 |
| Instrument | 7643270 |
| Name | PANORAMA MORTGAGE GROUP LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Jan 10, 2017 |
| Property Address | 15 CLOVER LN, LAKE BLUFF, IL 60044-1722 |
| Document Number | 0007363256 |
| Map Reference | DOC247686 MB N PG51 |
| Instrument Date | Dec 22, 2016 |
| Instrument | 7363256 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2022 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 28827 N CLOVER LN, 28827, LAKE BLUFF, IL 60044 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 28827 N CLOVER LN, LAKE BLUFF, IL 60044 |
| Document Number | 0007363257 |
|---|---|
| Date | Jan 10, 2017 |
| Instrument | 7363257 |
| Name | MORTGAGE MASTER NATIONAL |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2047 |
| Rate | 3.5% |
|---|
Source: Lake County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Lake County |
| County Subdivision | Shields Township |
| Elementary School District | Lake Bluff Elementary School District 65 (KG - 08) |
| Secondary School District | Lake Forest Community High School District 115 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $187,271 Land $43,589 Building $143,682 | $561,869 Land $130,780 Building $431,089 | |
| 2024 | $10,592.00 (+25.04%) | ||
| 2023 | $8,471.00 (+2.02%) | $154,007 (+19.09%) Land $35,846 Building $118,161 | $462,067 (+19.09%) Land $107,549 Building $354,518 |
| 2022 | $8,303.00 | $129,325 Land $30,101 Building $99,224 | $388,014 Land $90,312 Building $297,702 |
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 15 Clover Ln in Zone X, an area of minimal flood risk, though there have been 4 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 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 4 (2017) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Jul 2017 · 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 15 Clover Ln is low, with 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 80% of the US · above 71% of Illinois |
|---|---|
| Wildfire Likelihood | 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 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 |
| 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.
Source: FCC Broadband Data Collection, based on 71 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 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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