Lake County property record for 176 E Stone Ave, Lake Forest, IL 60045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,520 sqft · built 1968 |
| Lot Size | 0.353 acres (15,385 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $700,000 (Dec 2020) |
| Tax Bill | $15,202 (2024) |
| Deeds & Mortgages | Jun 2018 Mortgage Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-09-105-028 |
| Primary APN | 16-09-105-028 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,520 sqft Living Area |
| Gross Area | 4,329 sqft |
| 1st Floor Area | 1,260 sqft |
| 2nd Floor Area | 1,260 sqft |
| Upper Floors Area | 1,260 sqft |
| Basement Area | 1,325 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 15,385 sqft (0.353 acres) |
| Lot Dimensions | 181 ft deep x 85 ft wide |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 39 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 176 E STONE AVE |
|---|---|
| City | LAKE FOREST |
| State | IL |
| Zip | 60045-2961 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H.O.STONE & COS LAKE FOREST ADD. LOT 1 BLOCK 8 |
| Legal Subdivision | H.O.STONE & COS LAKE FOREST ADD. |
| Legal Block | 8 |
| Legal Lot Number | 1 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | WEST DEERFIELD |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 864602 |
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 | 176 E STONE AVE, LAKE FOREST, IL 60045-2961 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 15, 2018 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 21, 2020 | Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 21, 2020 · Amount on Record |
| Deed Sale | Dec 21, 2020 · Amount on Record |
| Prior Sale | Aug 31, 2006 · Amount on Record |
| Deed Document Number | 20207729979 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 176 E STONE AVE, LAKE FOREST, IL 60045-2961 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0007491130 |
|---|---|
| Date | Jun 15, 2018 |
| Instrument | 7491130 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48083 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2048 |
| Rate | 4.99% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Dec 21, 2020 |
| Property Address | 176 E STONE AVE, LAKE FOREST, IL 60045-2961 |
| Document Number | 0007729979 |
| Map Reference | DOC 249300 |
| Instrument Date | Nov 2, 2020 |
| Instrument | 7729979 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2022 |
| Title Company | CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 176 E STONE AVE, LAKE FOREST, IL 60045-2961 |
| Document Number | 0007729980 |
|---|---|
| Date | Dec 21, 2020 |
| Instrument | 7729980 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.62% |
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 | $276,221 (+9.24%) Land $91,593 Building $184,628 | $828,745 (+9.24%) Land $274,806 Building $553,939 | |
| 2024 | $15,202.00 (+40.55%) | ||
| 2023 | $10,816.00 (+5.8%) | $252,851 (+35.75%) Land $83,844 Building $169,007 | $758,629 (+35.75%) Land $251,557 Building $507,072 |
| 2022 | $10,223.00 | $186,258 Land $78,982 Building $107,276 | $558,830 Land $236,970 Building $321,860 |
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.
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 |
|---|---|
| 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 |
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: 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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