228 Rivers Dr, Lake Bluff, IL 60044 Property Records

Lake County property record for 228 Rivers Dr, Lake Bluff, IL 60044

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,222 sqft · built 1969
Lot Size	0.392 acres (17,089 sqft)
Owner	2 Individual Names on File
Last Sale	$507,000 (Feb 2022)
Tax Bill	$9,249 (2024)
Deeds & Mortgages	Apr 2021 Mortgage Mar 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-17-207-021`

Property Details

APN / Parcel Number

Primary APN	`12-17-207-021`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,222 sqft Living Area
Gross Area	3,370 sqft
1st Floor Area	1,169 sqft
Upper Floors Area	1,053 sqft
Basement Area	1,148 sqft
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	17,089 sqft (0.392 acres)
Lot Dimensions	190 ft deep x 90 ft wide
Garage Type	Detached
Garage Area	504 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	276 sqft
Patio Area	792 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	228 RIVERS DR
City	LAKE BLUFF
State	IL
Zip	60044-1314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ARDEN SHORE ESTATES NELY 1/2 LOT 20 & ALL LOT 21 BLOCK 14
Legal Subdivision	ARDEN SHORE ESTATES
Legal Block	14
Legal Lot Number	20,21
Jurisdiction	LAKE IL
Township / Civil Division	SHIELDS
Census Block Group	4
Census Block	4001
Census Tract	863202

Owner

228 Rivers Dr is owned and occupied by two individuals who bought it in February 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	228 RIVERS DR, LAKE BLUFF, IL 60044-1314
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
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Mar 17, 2023	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Feb 3, 2022	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Jul 21, 2017	Deed of Trust, Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2022 · Amount on File
Deed Sale	Feb 3, 2022 · Amount on File
Prior Sale	Oct 11, 2016 · Amount on File
Deed Document Number	20227869845
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	228 RIVERS DR, LAKE BLUFF, IL 60044-1314
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007772572
Date	Apr 6, 2021
Instrument	7772572

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	228 RIVERS DR, LAKE BLUFF, IL 60044-1314
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 RIVERS DR, LAKE BLUFF, IL 60044-1314

Mortgage

Document Number	0007963855
Date	Mar 17, 2023
Instrument	7963855

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 7, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Feb 3, 2022
Property Address	228 RIVERS DR, LAKE BLUFF, IL 60044-1314
Document Number	0007869845
Map Reference	DOC 297996
Instrument Date	Dec 4, 2021
Instrument	7869845
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$507.00
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	228 RIVERS DR, LAKE BLUFF, IL 60044-1314

Mortgage

Document Number	0007869846
Date	Feb 3, 2022
Instrument	7869846

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.25%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	228 RIVERS DR, LAKE BLUFF, IL 60044-1314
Document Number	0007414958
Instrument Date	Jul 21, 2017
Transaction Type	Mortgage
Record Updated	Aug 15, 2017
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	228 RIVERS DR LAKE BLUFF IL 600441314, LAKE BLUFF, IL 60044-1314

Mortgage

Document Number	0007414958
Date	Jul 27, 2017
Instrument	7414958

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 26, 2047

Interest

Rate Type	Fixed Rate
Rate	4.62%

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		$162,210 Land $54,933 Building $107,277	$486,678 Land $164,815 Building $321,863
2024	$9,249.00 (+16.68%)
2023	$7,927.00 (+3.57%)	$144,070 (+11.01%) Land $48,790 Building $95,280	$432,254 (+11.01%) Land $146,385 Building $285,869
2022	$7,654.00	$129,778 Land $43,950 Building $85,828	$389,373 Land $131,863 Building $257,510

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 228 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

Wildfire risk around 228 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 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.

Drinking Water

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

Violations Reported to EPA

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.

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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