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220 E Old Elm Rd, Lake Forest, IL 60045 Property Records

Lake County property record for 220 E Old Elm Rd, Lake Forest, IL 60045

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,512 sqft · built 1958
Lot Size0.46 acres (20,042 sqft)
OwnerIndividual Name on Record
Last Sale$675,000 (Jul 2020)
Tax Bill$11,767 (2024)
Deeds & MortgagesAug 2026 Line of Credit
Jul 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN16-09-120-012

Property Details

APN / Parcel Number

Primary APN16-09-120-012

Interior

Bedrooms3 Beds
Full Baths3 Baths
Plumbing Fixtures9 Plumbing Fixtures
Stories1 Story
Building Area2,512 sqft Living Area
Gross Area3,816 sqft
1st Floor Area2,512 sqft
Basement Area904 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1958
Effective Year BuiltEffective 1958
Architectural StyleConventional
Exterior MaterialBrick
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area20,042 sqft (0.46 acres)
Lot Dimensions167 ft deep x 120 ft wide
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address220 E OLD ELM RD
CityLAKE FOREST
StateIL
Zip60045-2903
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionH.O.STONE & COS LAKE FOREST ADD. LOT 14 BLOCK 13
Legal SubdivisionH.O.STONE & COS LAKE FOREST ADD.
Legal Block13
Legal Lot Number14
JurisdictionLAKE IL
Township / Civil DivisionWEST DEERFIELD
Census Block Group2
Census Block2034
Census Tract864602

Owner

Source: Lake County records, as of August 31, 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 RecordIndividual Name on Record
Mailing Address220 E OLD ELM RD, LAKE FOREST, IL 60045-2903
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 19, 2026Deed of Trust, Mortgage · Line of Credit
ABBOTT LABORATORIES EMP CREDIT UNION
Jul 16, 2020Warranty Deed, Transfer · Conventional Mortgage
CITIZENS BANK NA

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 16, 2020 · Amount on Record
Deed SaleJul 16, 2020 · Amount on Record
Prior SaleNov 20, 2013 · Amount on Record
Deed Document Number20207674304
Record UpdatedOct 29, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE IL
Recording DateAug 19, 2026
Property Address220 E OLD ELM RD, LAKE FOREST, IL 60045-2903
Document Number0008189338
Instrument DateAug 10, 2026
Instrument20268189338
Transaction TypeMortgage
Record UpdatedSep 9, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety, 298
Address220 E OLD ELM RD, LAKE FOREST, IL 60045-2903

Mortgage

Document Number0008189338,
DateAug 19, 2026
Instrument20268189338
Lender
NameABBOTT LABORATORIES EMP CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount Recorded
Term60 Months
DueAug 19, 2031
Interest
Rate TypeAdjustable Rate
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

July 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLAKE IL
Recording DateJul 16, 2020
Property Address220 E OLD ELM RD, LAKE FOREST, IL 60045-2903
Document Number0007674304
Map ReferenceDOC 249300
Instrument DateJul 13, 2020
Instrument7674304
Transaction TypeTransfer
Record UpdatedMar 17, 2022
Title CompanyALTIMA TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$675.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address220 E OLD ELM RD, LAKE FOREST, IL 60045-2903

Mortgage

Document Number0007674305
DateJul 16, 2020
Instrument7674305
Lender
NameCITIZENS BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyLake County
County SubdivisionWest Deerfield Township
MunicipalityLake Forest City
Elementary School DistrictLake Forest School District 67 (PK - 08)
Secondary School DistrictLake Forest Community High School District 115 (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$223,976 (+9.24%) Land $113,175 Building $110,801$671,995 (+9.24%) Land $339,559 Building $332,436
2024$11,767.00 (+4.58%)
2023$11,252.00 (+5.95%)$205,025 (+3.28%) Land $103,599 Building $101,426$615,136 (+3.28%) Land $310,828 Building $304,308
2022$10,620.00$198,523 Land $97,589 Building $100,934$595,628 Land $292,796 Building $302,832

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

Source: FEMA National Flood Hazard Layer, effective February 20, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 12 policies
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies12 in force
Nearby Flood Claims15 (1982–2022)
Claims Outside the SFHA7 of 15
Most Recent ClaimJul 2022 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 94% of the US · lower than 65% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemHIGHLAND PARK
serves 30,176 people · EPA ID IL0970500
Water SourceSurface water
Last State InspectionAug 2024
Lead11 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 251 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
DSL		100 / 20

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