21 River Oaks Cir E, Buffalo Grove, IL 60089 Property Records

Lake County property record for 21 River Oaks Cir E, Buffalo Grove, IL 60089 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,848 sqft · built 2001
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$575,000 (Oct 2020)
Tax Bill	$19,306 (2024)
Deeds & Mortgages	Apr 2018 Mortgage Oct 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-16-207-023`

Property Details

APN / Parcel Number

Primary APN	`15-16-207-023`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,848 sqft Living Area
Gross Area	6,498 sqft
1st Floor Area	1,999 sqft
Upper Floors Area	1,849 sqft
Basement Area	1,999 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	651 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	21 RIVER OAKS CIR E
City	BUFFALO GROVE
State	IL
Zip	60089-8804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER OAKS SUBDIVISION; LOT 10
Legal Subdivision	RIVER OAKS SUBDIVISION
Legal Lot Number	10
Jurisdiction	LAKE IL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1018
Census Tract	864514

Owner

Source: Lake County records · APN 15-16-207-023

Assessment roll updated April 29, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	21 RIVER OAKS CIR E, BUFFALO GROVE, IL 60089-8804
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2018	Deed of Trust, Mortgage · ARM SOLUTIONS FINANCIAL MORTGAGE COMPANY
Oct 14, 2020	Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Jun 23, 2017	Quit Claim Deed ATTORNEY ONLY
May 02, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 14, 2020 · Amount on Record
Deed Sale	Oct 14, 2020 · Amount on Record
Prior Sale	Aug 15, 2001 · Amount on Record
Deed Document Number	20207704878
Prior Transfer Date	Jun 22, 2017
Prior Transfer Doc	0007405461
Record Updated	Jun 08, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	21 RIVER OAKS CIR E, BUFFALO GROVE, IL 60089-8804
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	NATIONAL TITLE SOLUTIONS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007476278
Date	Apr 12, 2018
Instrument	7476278

Lender

Name	SOLUTIONS FINANCIAL MORTGAGE COMPANY
Type	Mortgage Company
Address	GLENVIEW, IL 60025

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Apr 01, 2025
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	9.12%
Index	1-Year LIBOR
Max Rate	9.12%

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE IL
Recording Date	Oct 14, 2020
Property Address	21 RIVER OAKS CIR E, BUFFALO GROVE, IL 60089-8804
Document Number	0007704878
Map Reference	DOC 4594005
Instrument Date	Sep 23, 2020
Instrument	7704878
Transaction Type	Transfer
Record Updated	Mar 17, 2022
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$575.00
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	21 RIVER OAKS CIR E, BUFFALO GROVE, IL 60089-8804

Mortgage

Document Number	0007704879
Date	Oct 14, 2020
Instrument	7704879

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 01, 2035

June 2017: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	LAKE IL
Recording Date	Jun 23, 2017
Property Address	21 RIVER OAKS CIR E, BUFFALO GROVE, IL 60089-8804
Document Number	0007405461
Instrument Date	Jun 16, 2017
Instrument	7405461
Record Updated	Jul 05, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	21 RIVER OAKS CIR E BUFFALO GROVE IL 600898804, BUFFALO GROVE, IL 60089-8804

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IL
Recording Date	May 02, 2017
Property Address	21 RIVER OAKS CIR E, BUFFALO GROVE, IL 60089-8804
Document Number	0007391175
Instrument Date	Jul 19, 2016
Instrument	7391175
Transaction Type	Transfer
Record Updated	May 22, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	21 RIVER OAKS CIR E BUFFALO GROVE IL 600898804, BUFFALO GROVE, IL 60089-8804

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated April 29, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Buffalo Grove Village
County	Lake County
County Subdivision	Vernon Township
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

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		$237,830 (+14.67%) Land $63,044 Building $174,786	$713,561 (+14.67%) Land $189,151 Building $524,410
2024	$19,306.00 (+10.13%)
2023	$17,530.00 (+3.62%)	$207,400 (+7.42%) Land $54,978 Building $152,422	$622,262 (+7.42%) Land $164,950 Building $457,312
2022	$16,917.00	$193,078 Land $51,181 Building $141,897	$579,292 Land $153,558 Building $425,734

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lake County (17097C), updated February 20, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170978645141, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1993–2019)
Claims Outside the SFHA	1 of 3
Most Recent Claim	May 2019, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 151 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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