1902 20th St, Zion, IL 60099 Property Records

Lake County property record for 1902 20th St, Zion, IL 60099

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,786 sqft · built 1961
Lot Size	0.21 acres (9,152 sqft)
Owner	Individual Name on File
Last Sale	$177,000 (Apr 2006)
Tax Bill	$9,246 (2024)
Deeds & Mortgages	Oct 2023 Mortgage Jun 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-16-309-023`

Property Details

APN / Parcel Number

Primary APN	`04-16-309-023`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,786 sqft Living Area
Gross Area	2,914 sqft
1st Floor Area	1,786 sqft
Basement Area	1,128 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,152 sqft (0.21 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Deck Area	252 sqft
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	1902 20TH ST
City	ZION
State	IL
Zip	60099-1779
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ZION CITY SEC.16 LOT 23 BLOCK 77
Legal Subdivision	ZION CITY SEC.16
Legal Block	77
Legal Lot Number	23
Jurisdiction	LAKE IL
Township / Civil Division	ZION
Census Block Group	1
Census Block	1002
Census Tract	860302

Owner

1902 20th St is owned and occupied by an individual who bought it in April 2006.

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

Owner of Record	Individual Name on File
Mailing Address	1902 20TH ST, ZION, IL 60099-1779
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Oct 2, 2023	Deed of Trust, Mortgage · FHA Mortgage PNC BANK NA
Jun 8, 2020	Loan Modification, Mortgage · FHA Mortgage PNC BK
Jan 5, 2017	Loan Modification, Mortgage · FHA Mortgage PNC BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2006 · Amount on File
Deed Sale	Apr 7, 2006 · Amount on File
Prior Sale	Mar 14, 1994 · Amount on File
Deed Document Number	20065974602
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	1902 20TH ST, ZION, IL 60099-1779
Transaction Type	Mortgage
Record Updated	Oct 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1902 20TH ST, ZION, IL 60099-1779

Mortgage

Document Number	0007998699
Date	Oct 2, 2023
Instrument	7998699

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	479 Months
Due	Sep 1, 2063

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAKE IL
Property Address	1902 20TH ST, ZION, IL 60099-1779
Document Number	0007681191
Instrument Date	Jun 8, 2020
Transaction Type	Mortgage
Record Updated	Aug 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1902 20TH ST ZION IL 600991779, ZION, IL 60099-1779

Mortgage

Document Number	0007681191
Date	Aug 6, 2020
Instrument	7681191

Lender

Name	PNC BK
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 5, 2050

Interest

Rate	3.75%

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAKE IL
Property Address	1902 20TH ST, ZION, IL 60099-1779
Document Number	0007376209
Instrument Date	Jan 5, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1902 20TH ST ZION IL 600991779, ZION, IL 60099-1779

Mortgage

Document Number	0007376209
Date	Mar 1, 2017
Instrument	7376209

Lender

Name	PNC BK
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 28, 2047

Interest

Rate Type	Fixed Rate
Rate	3.75%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Zion Township
Municipality	Zion City
Elementary School District	Zion Elementary School District 6 (PK - 08)
Secondary School District	Zion-Benton Township High School District 126 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$88,915 Land $9,710 Building $79,205	$266,772 Land $29,133 Building $237,639
2024	$9,246.00 (+21.55%)
2023	$7,607.00 (+1.67%)	$67,384 (+13.78%) Land $7,359 Building $60,025	$202,172 (+13.78%) Land $22,079 Building $180,093
2022	$7,482.00	$59,223 Land $6,079 Building $53,144	$177,687 Land $18,239 Building $159,448

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 1902 20th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 20, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1902 20th St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	ZION serves 24,442 people · EPA ID IL0972000
Water Source	Purchased surface water from LAKE COUNTY PUBLIC WATER DISTRICT
Last State Inspection	Aug 2025
Lead	11 ppb (2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 343 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

May also be available: AT&T, T-Mobile.

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