191 Dover Cir, Lake Forest, IL 60045 Property Records

Lake County property record for 191 Dover Cir, Lake Forest, IL 60045

Property Summary

Property Type	Single Family Home
Details	5 ba · 4,825 sqft · built 1983
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$975,000 (Jun 2022)
Tax Bill	$26,815 (2024)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-14-408-011`

Property Details

APN / Parcel Number

Primary APN	`15-14-408-011`

Interior

Full Baths	5 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	4,825 sqft Living Area
Gross Area	5,919 sqft
1st Floor Area	1,944 sqft
Upper Floors Area	1,936 sqft
Basement Area	1,260 sqft
Finished Basement	945 sqft
Unfinished Basement	315 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1989
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Attached
Garage Area	779 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	191 DOVER CIR
City	LAKE FOREST
State	IL
Zip	60045-3406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINCOLNSHIRE WOODS UNIT 4; LOT 169
Legal Subdivision	LINCOLNSHIRE WOODS UNIT 4
Legal Lot Number	169
Legal Unit	4
Jurisdiction	LAKE IL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1059
Census Tract	866200

Owner

191 Dover Cir is owned and occupied by two individuals who bought it in June 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	37 LINCOLN PKWY, WILLIAMS BAY, WI 53191-9812
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
Jun 6, 2022	Warranty Deed, Transfer · Conventional Mortgage CHICAGO FINANCIAL SERVICES INC
Nov 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Nov 17, 2017	Quit Claim Deed, Transfer GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2022 · Amount on File
Deed Sale	Jun 6, 2022 · Amount on File
Prior Sale	Mar 11, 2015 · Amount on File
Deed Document Number	20227909144
Prior Transfer Date	Oct 25, 2017
Prior Transfer Doc	0007444287
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Jun 6, 2022
Property Address	191 DOVER CIR, LAKE FOREST, IL 60045-3406
Document Number	0007909144
Map Reference	DOC 2001330
Instrument Date	May 24, 2022
Instrument	7909144
Transaction Type	Transfer
Record Updated	Jun 17, 2022
Title Company	BURNET TITLE-POST CLOSING, BURNET TITLE POST CLOSING

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$975.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	191 DOVER CIR, LAKE FOREST, IL 60045-3406

Mortgage

Document Number	0007909145
Date	Jun 6, 2022
Instrument	7909145

Lender

Name	CHICAGO FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.62%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	191 DOVER CIR, LAKE FOREST, IL 60045-3406
Transaction Type	Mortgage
Record Updated	Nov 18, 2021
Title Company	NOT AVAILABLE, RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007842411
Date	Nov 10, 2021
Instrument	7842411

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IL
Recording Date	Nov 17, 2017
Property Address	191 DOVER CIR, LAKE FOREST, IL 60045-3406
Document Number	0007444287
Instrument Date	Oct 25, 2017
Instrument	7444287
Transaction Type	Transfer
Record Updated	Dec 1, 2017
Title Company	RAVENSWOOD TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	191 DOVER CIR LAKE FOREST IL 600453406, LAKE FOREST, IL 60045-3406

Mortgage

Document Number	7444288
Date	Nov 17, 2017
Instrument	7444288

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 16, 2047

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Vernon Township
Municipality	Lincolnshire Village
Elementary School District	Lincolnshire-Prairieview School District 103 (KG - 08)
Secondary School District	Adlai E. Stevenson High School District 125 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$332,596 Land $84,491 Building $248,105	$997,887 Land $253,498 Building $744,389
2024	$26,815.00 (+14.29%)
2023	$23,462.00 (+3.97%)	$284,354 (+7.42%) Land $72,235 Building $212,119	$853,148 (+7.42%) Land $216,727 Building $636,421
2022	$22,567.00	$264,719 Land $67,247 Building $197,472	$794,236 Land $201,761 Building $592,475

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 191 Dover Cir in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1986.

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
Flood Insurance Cost	Premium on File median of 17 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	9 (1986–2020)
Claims Outside the SFHA	2 of 9
Most Recent Claim	May 2020 · river or lake flooding

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 191 Dover Cir 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 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	LINCOLNSHIRE serves 7,940 people · EPA ID IL0970950
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2024
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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 197 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
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile.

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