2108 Harding Ave, Waukegan, IL 60085 Property Records

Lake County property record for 2108 Harding Ave, Waukegan, IL 60085

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 924 sqft · built 1957
Lot Size	0.165 acres (7,187 sqft)
Owner	Individual Name on File
Last Sale	$138,000 (May 2020)
Tax Bill	$5,535 (2024)
Deeds & Mortgages	May 2020 Sale & Mortgage Jan 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`08-17-107-002`

Property Details

APN / Parcel Number

Primary APN	`08-17-107-002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	924 sqft Living Area
1st Floor Area	884 sqft
2nd Floor Area	40 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Split Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,187 sqft (0.165 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2108 HARDING AVE
City	WAUKEGAN
State	IL
Zip	60085-1613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MARYCREST NO.3 LOT 9
Legal Subdivision	MARYCREST NO.3
Legal Lot Number	9
Jurisdiction	LAKE IL
Township / Civil Division	WAUKEGAN
Census Block Group	2
Census Block	2000
Census Tract	861804

Owner

2108 Harding Ave is owned and occupied by an individual who bought it in May 2020.

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

Owner of Record	Individual Name on File
Mailing Address	2108 HARDING AVE, WAUKEGAN, IL 60085-1613
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
May 20, 2020	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Jan 8, 2018	Grant Deed, Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2020 · Amount on File
Deed Sale	May 20, 2020 · Amount on File
Prior Sale	Sep 21, 2009 · Amount on File
Deed Document Number	20207657513
Prior Transfer Date	Jan 20, 2009
Prior Transfer Doc	0006442803
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	May 20, 2020
Property Address	2108 HARDING AVE, WAUKEGAN, IL 60085-1613
Document Number	0007657513
Instrument Date	May 12, 2020
Instrument	7657513
Transaction Type	Transfer
Record Updated	Jun 3, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$207.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2108 HARDING AVE WAUKEGAN IL 600851613, WAUKEGAN, IL 60085-1613

Mortgage

Document Number	7657514
Date	May 20, 2020
Instrument	7657514

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 19, 2050

Interest

Rate	3%

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE IL
Recording Date	Jan 8, 2018
Property Address	2108 HARDING AVE, WAUKEGAN, IL 60085-1613
Document Number	0007456094
Instrument Date	Dec 27, 2017
Instrument	7456094
Transaction Type	Transfer
Record Updated	Jan 18, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 8996 WAUKEGAN IL 600798996, WAUKEGAN, IL 60079-8996

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Waukegan Township
Municipality	Waukegan City
Unified School District	Waukegan Community Unit School District 60 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$77,106 Land $12,123 Building $64,983	$231,341 Land $36,373 Building $194,968
2024	$5,535.00 (+8.51%)
2023	$5,101.00 (+27.72%)	$64,760 (+11.3%) Land $10,182 Building $54,578	$194,299 (+11.3%) Land $30,549 Building $163,750
2022	$3,994.00	$58,187 Land $9,570 Building $48,617	$174,579 Land $28,713 Building $145,866

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 2108 Harding Ave 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 2108 Harding Ave 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	WAUKEGAN serves 87,149 people · EPA ID IL0971900
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	10 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	4 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 432 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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