225 Cavin Ave, Winthrop Harbor, IL 60096 Property Records

Lake County property record for 225 Cavin Ave, Winthrop Harbor, IL 60096

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,344 sqft · built 2015
Lot Size	0.297 acres (12,933 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (Jun 2026)
Tax Bill	$10,459 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Nov 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-04-410-010`

Property Details

APN / Parcel Number

Primary APN	`04-04-410-010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,344 sqft Living Area
Gross Area	3,128 sqft
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	12,933 sqft (0.297 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	320 sqft
Patio Area	540 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	225 CAVIN AVE
City	WINTHROP HARBOR
State	IL
Zip	60096-1125
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PATES RESUBDIVISION; LOT 7
Legal Subdivision	PATES RESUBDIVISION
Legal Lot Number	7
Jurisdiction	LAKE IL
Township / Civil Division	BENTON
Census Block Group	3
Census Block	3024
Census Tract	860103

Owner

225 Cavin Ave is owned and occupied by an individual who bought it in June 2026.

Source: Lake County records, as of June 30, 2026

Owner of Record	Individual Name on File
Mailing Address	742 GEDDES AVE, WINTHROP HARBOR, IL 60096-1549
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jun 15, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Nov 17, 2022	Deed, Transfer · VA Mortgage WELLS FARGO BANK NA
Apr 20, 2018	Warranty Deed, Transfer ATTORNEY'S TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2026 · Amount on File
Deed Sale	Jun 15, 2026 · Amount on File
Prior Sale	Nov 17, 2022 · Amount on File
Deed Document Number	20268175477
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Jun 15, 2026
Property Address	225 CAVIN AVE, WINTHROP HARBOR, IL 60096-1125
Document Number	0008175477
Instrument Date	Jun 12, 2026
Instrument	20268175477
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$56,812.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	742 GEDDES AVE, WINTHROP HARBOR, IL 60096-1549

Mortgage

Document Number	0008175478,
Date	Jun 15, 2026
Instrument	20268175478

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	7.49%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE IL
Recording Date	Nov 17, 2022
Property Address	225 CAVIN AVE, WINTHROP HARBOR, IL 60096-1125
Document Number	0007944765
Map Reference	DOC 5700613
Instrument Date	Oct 18, 2022
Instrument	7944765
Transaction Type	Transfer
Record Updated	Nov 25, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295.00
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	225 CAVIN AVE, WINTHROP HARBOR, IL 60096-1125

Mortgage

Document Number	0007944766
Date	Nov 17, 2022
Instrument	7944766

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Apr 20, 2018
Property Address	225 CAVIN AVE, WINTHROP HARBOR, IL 60096-1125
Document Number	0007477978
Instrument Date	Apr 12, 2018
Instrument	7477978
Transaction Type	Transfer
Record Updated	May 3, 2018
Title Company	ATTORNEY'S TITLE

Transaction

Amount	Amount on Record
Tax	$307.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	225 CAVIN AVE WINTHROP HARBOR IL 600961125, WINTHROP HARBOR, IL 60096-1125

Tax Assessment & Valuation

The 2025 property tax bill for 225 Cavin Ave was $10,459 with a homeowner's exemption, down 5.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Benton Township
Municipality	Winthrop Harbor Village
Elementary School District	Winthrop Harbor School District 1 (PK - 08)
Secondary School District	Zion-Benton Township High School District 126 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,459.00 (-5.89%)	$120,970 Land $9,748 Building $111,222	$362,946 Land $29,247 Building $333,699
2024	$11,114.00 (+27.26%)
2023	$8,733.00 (+14.14%)	$94,904 (+4.52%) Land $8,586 Building $86,318	$284,741 (+4.52%) Land $25,761 Building $258,980
2022	$7,651.00	$90,801 Land $8,382 Building $82,419	$272,431 Land $25,149 Building $247,282

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 225 Cavin Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1986)
Most Recent Claim	Sep 1986 · Severe Storms & Flooding

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 225 Cavin 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 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct 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 System	WINTHROP HARBOR serves 6,565 people · EPA ID IL0971950
Water Source	Purchased surface water from LAKE COUNTY PUBLIC WATER DISTRICT
Last State Inspection	Apr 2025
Lead	5 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	16 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 329 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

May also be available: AT&T.

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