227 Rivers Dr, Lake Bluff, IL 60044 Property Records

Lake County property record for 227 Rivers Dr, Lake Bluff, IL 60044

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,291 sqft · built 1969
Lot Size	0.273 acres (11,896 sqft)
Owner	2 Individual Names on Record
Last Sale	$545,000 (Dec 2020)
Tax Bill	$10,974 (2024)
Deeds & Mortgages	Mar 2021 Line of Credit Jan 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-17-211-004`

Property Details

APN / Parcel Number

Primary APN	`12-17-211-004`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,291 sqft Living Area
Gross Area	3,712 sqft
1st Floor Area	1,421 sqft
Upper Floors Area	870 sqft
Basement Area	1,421 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	11,896 sqft (0.273 acres)
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	1 Parking Space
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	227 RIVERS DR
City	LAKE BLUFF
State	IL
Zip	60044-1313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ARDEN SHORE ESTATES SUB; LOT 4 BLOCK 16
Legal Subdivision	ARDEN SHORE ESTATES SUB
Legal Block	16
Legal Lot Number	4
Jurisdiction	LAKE IL
Township / Civil Division	SHIELDS
Census Block Group	4
Census Block	4012
Census Tract	863202

Owner

Source: Lake County records, as of April 29, 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 Record
Mailing Address	227 RIVERS DR, LAKE BLUFF, IL 60044-1313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2021	Deed of Trust, Mortgage · Line of Credit LIBERTYVILLE BANK & TRUST CO
Jan 19, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY
Dec 9, 2020	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2020 · Amount on Record
Deed Sale	Dec 9, 2020 · Amount on Record
Prior Sale	Sep 11, 2006 · Amount on Record
Deed Document Number	20207725029
Last Transfer Date	Jan 13, 2021
Transfer Doc	0007739878
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	227 RIVERS DR, LAKE BLUFF, IL 60044-1313
Transaction Type	Mortgage
Record Updated	May 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007763485
Date	Mar 16, 2021
Instrument	7763485

Lender

Name	LIBERTYVILLE BANK & TRUST CO
Type	Bank
Address	LIBERTYVILLE, IL 60048

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IL
Recording Date	Jan 19, 2021
Property Address	227 RIVERS DR, LAKE BLUFF, IL 60044-1313
Document Number	0007739878
Instrument Date	Jan 13, 2021
Instrument	7739878
Transaction Type	Transfer
Record Updated	Mar 12, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	227 RIVERS DR LAKE BLUFF IL 600441313, LAKE BLUFF, IL 60044-1313

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Dec 9, 2020
Property Address	227 RIVERS DR, LAKE BLUFF, IL 60044-1313
Document Number	0007725029
Map Reference	MB R PG 50
Instrument Date	Nov 3, 2020
Instrument	7725029
Transaction Type	Transfer
Record Updated	Mar 17, 2022
Title Company	FORT DEARBORN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$545.00
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	227 RIVERS DR, LAKE BLUFF, IL 60044-1313

Mortgage

Document Number	0007725030
Date	Dec 9, 2020
Instrument	7725030

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Dec 1, 2027
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	9.25%
Index	1-Year LIBOR
Max Rate	9.25%

Tax Assessment & Valuation

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$182,604 (+12.59%) Land $44,850 Building $137,754	$547,866 (+12.59%) Land $134,563 Building $413,303
2024	$10,974.00 (+26.34%)
2023	$8,686.00 (+3.57%)	$162,183 (+11.01%) Land $39,834 Building $122,349	$486,598 (+11.01%) Land $119,514 Building $367,084
2022	$8,387.00	$146,096 Land $35,883 Building $110,213	$438,332 Land $107,660 Building $330,672

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 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

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 279 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

Cell Coverage

5G (outdoors only) and 4G LTE

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