1863 Independence Ct, Gurnee, IL 60031 Property Records

Lake County property record for 1863 Independence Ct, Gurnee, IL 60031

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,676 sqft · built 1989
Lot Size	0.046 acres (1,986 sqft)
Owner	2 Individual Names on File
Last Sale	$227,500 (Jun 2021)
Tax Bill	$6,763 (2024)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-09-405-059`

Property Details

APN / Parcel Number

Primary APN	`07-09-405-059`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,676 sqft Living Area
Gross Area	2,076 sqft
1st Floor Area	888 sqft
2nd Floor Area	788 sqft
Upper Floors Area	788 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Townhouse
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,986 sqft (0.046 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	20 sqft
Patio Area	105 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1863 INDEPENDENCE CT
City	GURNEE
State	IL
Zip	60031-6328
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWNHOMES OF WESTGATE UNIT 2A; SW 39 LOT 29
Legal Subdivision	TOWNHOMES OF WESTGATE UNIT 2A
Legal Lot Number	29
Legal Unit	2A
Jurisdiction	LAKE IL
Township / Civil Division	WARREN
Census Block Group	1
Census Block	1033
Census Tract	861505

Owner

1863 Independence Ct is owned and occupied by two individuals who bought it in June 2021.

Source: Lake County records, as of April 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1863 INDEPENDENCE CT, GURNEE, IL 60031-6328
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2021	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Sep 13, 2018	Deed of Trust, Mortgage · FHA Mortgage MB FINANCIAL BANK NA
May 13, 2019	Deed of Trust, Mortgage · FHA Mortgage MB FINANCIAL BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2021 · Amount on File
Deed Sale	Jun 2, 2021 · Amount on File
Prior Sale	Jul 30, 2004 · Amount on File
Deed Document Number	20217794666
Prior Transfer Date	Feb 26, 2010
Prior Transfer Doc	0006579367
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Jun 2, 2021
Property Address	1863 INDEPENDENCE CT, GURNEE, IL 60031-6328
Document Number	0007794666
Map Reference	DOC 2760452
Instrument Date	Apr 22, 2021
Instrument	7794666
Transaction Type	Transfer
Record Updated	Aug 3, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$227.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1863 INDEPENDENCE CT, GURNEE, IL 60031-6328

Mortgage

Document Number	0007794667
Date	Jun 2, 2021
Instrument	7794667

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	1863 INDEPENDENCE CT, GURNEE, IL 60031-6328
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OCONNOR TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007512611
Date	Sep 13, 2018
Instrument	7512611

Lender

Name	MB FINANCIAL BANK NA
Type	Bank
Address	ANN ARBOR, MI 48105

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

Interest

Rate Type	Fixed Rate
Rate	5.25%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	1863 INDEPENDENCE CT, GURNEE, IL 60031-6328
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OCONNOR TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007561303
Date	May 13, 2019
Instrument	7561303

Lender

Name	MB FINANCIAL BANK NA
Type	Bank
Address	ANN ARBOR, MI 48105

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

Source: Lake County assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Warren Township
Municipality	Gurnee Village
Secondary School District	Warren Township High School District 121 (09 - 12)
Elementary School District	Woodland Community Consolidated School District 50 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$83,493 Land $11,087 Building $72,406	$250,504 Land $33,264 Building $217,240
2024	$6,763.00 (+24.89%)
2023	$5,415.00 (+10.8%)	$69,653 (+14.82%) Land $9,249 Building $60,404	$208,980 (+14.82%) Land $27,750 Building $181,230
2022	$4,887.00	$60,662 Land $8,179 Building $52,483	$182,004 Land $24,539 Building $157,465

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.

Flood

FEMA maps place 1863 Independence Ct in Zone X, an area of minimal flood risk.

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 5 (25% premium discount)
Nearby Flood Policies	3 in force

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

Wildfire risk around 1863 Independence Ct 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 99.1% of the US · lower than 94% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GURNEE serves 30,193 people · EPA ID IL0970350
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 131 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
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL	100 / 20

May also be available: E-vergent, T-Mobile.

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