Lake County property record for 185 E Stone Ave, Lake Forest, IL 60045
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3.5 ba · 2,765 sqft · built 1969 |
| Lot Size | 0.265 acres (11,561 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $699,000 (Mar 2021) |
| Tax Bill | $13,368 (2024) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-09-108-013 |
| Primary APN | 16-09-108-013 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,765 sqft Living Area |
| Gross Area | 3,798 sqft |
| 1st Floor Area | 1,460 sqft |
| 2nd Floor Area | 1,305 sqft |
| Upper Floors Area | 1,420 sqft |
| Basement Area | 613 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 11,561 sqft (0.265 acres) |
| Lot Dimensions | 136 ft deep x 85 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 185 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 4 BLOCK 9 |
| Legal Subdivision | H.O.STONE & COS LAKE FOREST ADD. |
| Legal Block | 9 |
| Legal Lot Number | 4 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | WEST DEERFIELD |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 864602 |
Source: Lake County records · APN 16-09-108-013
Assessment roll updated April 29, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 185 E STONE AVE, LAKE FOREST, IL 60045-2960 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Mar 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage PROPER RATE LLC |
| Jun 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 30, 2021 · Amount on Record |
| Deed Sale | Mar 30, 2021 · Amount on Record |
| Prior Sale | Nov 06, 2015 · Amount on Record |
| Deed Document Number | 20217769359 |
| Last Transfer Date | Aug 31, 2023 |
| Transfer Doc | 0007998923 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Mar 30, 2021 |
| Property Address | 185 E STONE AVE, LAKE FOREST, IL 60045-2960 |
| Document Number | 0007769359 |
| Map Reference | DOC 249300 |
| Instrument Date | Mar 08, 2021 |
| Instrument | 7769359 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2021 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $699.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 185 E STONE AVE, 185, LAKE FOREST, IL 60045-2960 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 185 E STONE AVE, LAKE FOREST, IL 60045-2960 |
| Document Number | 0007769360 |
|---|---|
| Date | Mar 30, 2021 |
| Instrument | 7769360 |
| Name | PROPER RATE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.87% |
| Document Number | 0007769361 |
|---|---|
| Date | Mar 30, 2021 |
| Instrument | 7769361 |
| Name | EVERGREEN BANK GROUP |
|---|---|
| Type | Bank |
| Address | OAK BROOK, IL 60523 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 18, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 185 E STONE AVE, LAKE FOREST, IL 60045-2960 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0007667098 |
|---|---|
| Date | Jun 23, 2020 |
| Instrument | 7667098 |
| Name | DRAPER & KRAMER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | DOWNERS GROVE, IL 60515 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 01, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
Source: Lake County records · Assessment roll updated April 29, 2026 · Last verified August 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 | $243,947 (+9.24%) Land $80,669 Building $163,278 | $731,914 (+9.24%) Land $242,031 Building $489,883 | |
| 2024 | $13,368.00 (+25.71%) | ||
| 2023 | $10,634.00 (+5.85%) | $223,307 (+21.87%) Land $73,844 Building $149,463 | $669,988 (+21.87%) Land $221,554 Building $448,434 |
| 2022 | $10,046.00 | $183,227 Land $69,560 Building $113,667 | $549,736 Land $208,701 Building $341,035 |
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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