2095 Madison Ave, Gurnee, IL 60031 Property Records

Lake County property record for 2095 Madison Ave, Gurnee, IL 60031

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,660 sqft · built 1989
Lot Size	0.313 acres (13,621 sqft)
Owner	2 Individual Names on File
Last Sale	$453,000 (May 2024)
Tax Bill	$3,760 (2024)
Deeds & Mortgages	May 2024 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-10-316-001`

Property Details

APN / Parcel Number

Primary APN	`07-10-316-001`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,660 sqft Living Area
Gross Area	4,398 sqft
1st Floor Area	1,412 sqft
2nd Floor Area	1,248 sqft
Upper Floors Area	1,248 sqft
Basement Area	1,248 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	13,621 sqft (0.313 acres)
Garage Type	Attached
Garage Area	490 sqft
Parking Spaces	2 Parking Spaces
Patio Area	376 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2095 MADISON AVE
City	GURNEE
State	IL
Zip	60031-6300
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTGATE UNIT 2; LOT 99
Legal Subdivision	WESTGATE UNIT 2
Legal Lot Number	99
Legal Unit	2
Jurisdiction	LAKE IL
Township / Civil Division	WARREN
Census Block Group	1
Census Block	1025
Census Tract	861505

Owner

2095 Madison Ave is owned and occupied by two individuals who bought it in May 2024.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2095 MADISON AVE, GURNEE, IL 60031-6300
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 2, 2024	Deed of Trust, Mortgage · VA Mortgage JPMORGAN CHASE BANK NA
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jan 27, 2020	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2024 · Amount on File
Deed Sale	May 2, 2024 · Amount on File
Prior Sale	Apr 13, 2016 · Amount on File
Deed Document Number	20248032432
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	2095 MADISON AVE, GURNEE, IL 60031-6300
Transaction Type	Mortgage
Record Updated	May 20, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6740 ROANOAKE CT, GURNEE, IL 60031-4011

Mortgage

Document Number	0008032433
Date	May 2, 2024
Instrument	8032433

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	1111 POLARIS PKWY, COLUMBUS, OH 43240

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2054

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	2095 MADISON AVE, GURNEE, IL 60031-6300
Transaction Type	Mortgage
Record Updated	Feb 9, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007731545
Date	Dec 28, 2020
Instrument	7731545

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	2095 MADISON AVE, GURNEE, IL 60031-6300
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007628302
Date	Jan 27, 2020
Instrument	7628302

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Feb 13, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$151,697 Land $21,983 Building $129,714	$455,137 Land $65,956 Building $389,181
2024	$3,760.00 (-67.9%)
2023	$11,712.00 (+10.52%)	$134,144 (+7.98%) Land $19,439 Building $114,705	$402,472 (+7.98%) Land $58,323 Building $344,149
2022	$10,597.00	$124,228 Land $19,734 Building $104,494	$372,721 Land $59,208 Building $313,513

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 2095 Madison Ave 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 2095 Madison Ave 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 95% of the US · lower than 70% 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 371 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 Fixed Wireless · DSL	100 / 20

May also be available: E-vergent.

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