Lake County property record for 218 Rivers Dr, Lake Bluff, IL 60044
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 3,397 sqft · built 2006 |
| Lot Size | 0.309 acres (13,451 sqft) |
| Owner | Trust Name on File |
| Last Sale | $100,000 (Jun 2004) |
| Tax Bill | $15,211 (2024) |
| Deeds & Mortgages | Oct 2026 Line of Credit Dec 2025 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-17-207-017 |
| Primary APN | 12-17-207-017 |
|---|
| Full Baths | 4 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 3,397 sqft Living Area |
| Gross Area | 5,422 sqft |
| 1st Floor Area | 1,564 sqft |
| Upper Floors Area | 1,833 sqft |
| Basement Area | 1,545 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 13,451 sqft (0.309 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 342 sqft |
| Patio Area | 384 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 218 RIVERS DR |
|---|---|
| City | LAKE BLUFF |
| State | IL |
| Zip | 60044-1314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ARDEN SHORE ESTATES LOT 25 BLOCK 14 |
| Legal Subdivision | ARDEN SHORE ESTATES |
| Legal Block | 14 |
| Legal Lot Number | 25 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | SHIELDS |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 863202 |
218 Rivers Dr is owner-occupied and held in a trust since November 2021.
Source: Lake County records, as of October 13, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 218 RIVERS DR, LAKE BLUFF, IL 60044-1314 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 2, 2026 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK |
| Dec 8, 2025 | Deed of Trust, Mortgage · Line of Credit BMO BANK NA |
| Jun 27, 2022 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Nov 15, 2021 | Intrafamily Transfer, Transfer |
| May 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA |
| Oct 30, 2017 | Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA |
| Apr 11, 2018 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 29, 2004 · Amount on File |
| Deed Sale | Jun 29, 2004 · Amount on File |
| Deed Document Number | 20045591433 |
| Last Transfer Date | Nov 9, 2021 |
| Transfer Doc | 0007843797 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Oct 2, 2026 |
| Property Address | 218 RIVERS DR, LAKE BLUFF, IL 60044-1314 |
| Document Number | 0008198166 |
| Instrument Date | Sep 22, 2026 |
| Instrument | 20268198166 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust, 165 |
| Address | 218 RIVERS DR, LAKE BLUFF, IL 60044-1314 |
| Document Number | 0008198166, |
|---|---|
| Date | Oct 2, 2026 |
| Instrument | 20268198166 |
| Name | BMO HARRIS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 28, 2056 |
| Rate | 7.79% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 218 RIVERS DR, LAKE BLUFF, IL 60044-1314 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2025 |
| Name | Verified Name |
|---|---|
| Address | 218 RIVERS DR, LAKE BLUFF, IL 60044-1314 |
| Document Number | 0008138276 |
|---|---|
| Date | Dec 8, 2025 |
| Instrument | 8138276 |
| Name | BMO BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60606 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.99% |
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 218 RIVERS DR, LAKE BLUFF, IL 60044-1314 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2022 |
| Name | Verified Name |
|---|---|
| Address | 218 RIVERS DR, LAKE BLUFF, IL 60044-1314 |
| Document Number | 0007914279 |
|---|---|
| Date | Jun 27, 2022 |
| Instrument | 7914279 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BURLINGAME, CA 94010 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Nov 15, 2021 |
| Property Address | 218 RIVERS DR, LAKE BLUFF, IL 60044-1314 |
| Document Number | 0007843797 |
| Map Reference | MB R PG 50&51 |
| Instrument Date | Nov 9, 2021 |
| Instrument | 7843797 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 218 RIVERS DR, LAKE BLUFF, IL 60044-1314 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 218 RIVERS DR, LAKE BLUFF, IL 60044-1314 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0007784278 |
|---|---|
| Date | May 5, 2021 |
| Instrument | 7784278 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 218 RIVERS DR, LAKE BLUFF, IL 60044-1314 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ATTORNEYS TITLE GUARANTY FUN |
| Name | Verified Name |
|---|
| Document Number | 0007439055 |
|---|---|
| Date | Oct 30, 2017 |
| Instrument | 7439055 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Nov 1, 2037 |
| Rate | 3.5% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 218 RIVERS DR, LAKE BLUFF, IL 60044-1314 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0007475685 |
|---|---|
| Date | Apr 11, 2018 |
| Instrument | 7475685 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 9, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.24% |
| Change Frequency | Monthly |
Source: Lake County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Lake County |
| County Subdivision | Shields Township |
| Elementary School District | Lake Bluff Elementary School District 65 (KG - 08) |
| Secondary School District | Lake Forest Community High School District 115 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $261,409 Land $47,515 Building $213,894 | $784,305 Land $142,559 Building $641,746 | |
| 2024 | $15,211.00 (+2.35%) | ||
| 2023 | $14,862.00 (+3.61%) | $232,174 (-2.41%) Land $42,201 Building $189,973 | $696,592 (-2.41%) Land $126,616 Building $569,976 |
| 2022 | $14,344.00 | $237,907 Land $38,015 Building $199,892 | $713,792 Land $114,056 Building $599,736 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 218 Rivers Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2007.
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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 5 (2007–2017) |
| Claims Outside the SFHA | 5 of 5 |
| Most Recent Claim | Jul 2017 · rainfall accumulation |
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 risk around 218 Rivers Dr 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 98% of the US · lower than 86% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAKE CO. PW - ARDEN SHORES ESTATES serves 105 people · EPA ID IL0975050 |
|---|---|
| Water Source | Purchased surface water from NORTH CHICAGO |
| Last State Inspection | Jan 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 54 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 | 100 / 20 |
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