Lake County property record for 161 E Stone Ave, Lake Forest, IL 60045
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,674 sqft · built 1964 |
| Lot Size | 0.293 acres (12,750 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $925,000 (May 2026) |
| Tax Bill | $11,546 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit May 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-09-108-011 |
| Primary APN | 16-09-108-011 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,674 sqft Living Area |
| Gross Area | 2,803 sqft |
| 1st Floor Area | 1,674 sqft |
| Basement Area | 513 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| 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 | 616 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 36 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 161 E STONE AVE |
|---|---|
| City | LAKE FOREST |
| State | IL |
| Zip | 60045-2960 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H.O.STONE & COS LAKE FOREST ADD. LOT 6 BLOCK 9 |
| Legal Subdivision | H.O.STONE & COS LAKE FOREST ADD. |
| Legal Block | 9 |
| Legal Lot Number | 6 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | WEST DEERFIELD |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 864602 |
Source: Lake County records · APN 16-09-108-011
Assessment roll updated April 29, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 1306 W FLETCHER ST, 2E, CHICAGO, IL 60657-6488 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 13, 2023 | Deed of Trust, Mortgage · Line of Credit ASSOCIATED BANK NA |
| May 29, 2026 | Warranty Deed, Transfer · Conventional Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP CORP |
| Jan 27, 2021 | Warranty Deed, Transfer · Conventional Mortgage ASSOCIATED BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 29, 2026 · Amount on Record |
| Deed Sale | May 29, 2026 · Amount on Record |
| Prior Sale | Jan 27, 2021 · Amount on Record |
| Deed Document Number | 20268171937 |
| Prior Transfer Date | Nov 30, 2005 |
| Prior Transfer Doc | 0005914500 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 161 E STONE AVE, LAKE FOREST, IL 60045-2960 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0007968029 |
|---|---|
| Date | Apr 13, 2023 |
| Instrument | 7968029 |
| Name | ASSOCIATED BANK NA |
|---|---|
| Type | Bank |
| Address | GREEN BAY, WI 54301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 28, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | May 29, 2026 |
| Property Address | 161 E STONE AVE, LAKE FOREST, IL 60045-2960 |
| Document Number | 0008171937 |
| Instrument Date | May 15, 2026 |
| Instrument | 20268171937 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2026 |
| Title Company | PRECISION TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $140,137.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1306 W FLETCHER ST, 2E, CHICAGO, IL 60657-6488 |
| Investor | Possibly a Property Investor |
| Document Number | 0008171938, |
|---|---|
| Date | May 29, 2026 |
| Instrument | 20268171938 |
| Name | GOLD STAR MORTGAGE FINANCIAL GROUP CORP |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Jan 27, 2021 |
| Property Address | 161 E STONE AVE, LAKE FOREST, IL 60045-2960 |
| Document Number | 0007743532 |
| Map Reference | DOC 249300 |
| Instrument Date | Jan 05, 2021 |
| Instrument | 7743532 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2022 |
| Title Company | PROPER TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $540.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 161 E STONE AVE, LAKE FOREST, IL 60045-2960 |
| Document Number | 0007743533 |
|---|---|
| Date | Jan 27, 2021 |
| Instrument | 7743533 |
| Name | ASSOCIATED BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
Source: Lake County records · Assessment roll updated April 29, 2026 · Last verified June 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) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,546.00 (+1.48%) Homeowner's exemption | $208,829 (+4.84%) Land $76,637 Building $132,192 | $626,550 (+4.84%) Land $229,934 Building $396,616 |
| 2024 | $11,378.00 (+8.57%) | $199,188 (+13.58%) Land $73,099 Building $126,089 | $597,624 (+13.58%) Land $219,319 Building $378,305 |
| 2023 | $10,480.00 (+14.52%) | $175,377 (+4.74%) Land $64,361 Building $111,016 | $526,183 (+4.74%) Land $193,102 Building $333,081 |
| 2022 | $9,151.00 | $167,446 Land $67,770 Building $99,676 | $502,388 Land $203,330 Building $299,058 |
Source: FEMA National Flood Hazard Layer as of February 20, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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 |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
Based on FCC filings for 251 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LAKE FOREST serves 19,642 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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