231 Richards Ct, Winthrop Harbor, IL 60096 Property Records

Lake County property record for 231 Richards Ct, Winthrop Harbor, IL 60096

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,953 sqft · built 2006
Lot Size	0.331 acres (14,427 sqft)
Owner	2 Individual Names on File
Last Sale	$259,000 (Oct 2019)
Tax Bill	$10,810 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-04-301-047`

Property Details

APN / Parcel Number

Primary APN	`04-04-301-047`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,953 sqft Living Area
Gross Area	4,658 sqft
1st Floor Area	1,953 sqft
Basement Area	1,953 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Fiberglass
Lot Area	14,427 sqft (0.331 acres)
Garage Type	Attached
Garage Area	752 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	114 sqft
Deck Area	344 sqft
Patio Area	344 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	231 RICHARDS CT
City	WINTHROP HARBOR
State	IL
Zip	60096-1036
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COVENANT COURTS SUBDIVISION; LOT 26
Legal Subdivision	COVENANT COURTS SUBDIVISION
Legal Lot Number	26
Jurisdiction	LAKE IL
Township / Civil Division	BENTON
Census Block Group	3
Census Block	3010
Census Tract	860103

Owner

231 Richards Ct is owned and occupied by two individuals who bought it in October 2019.

Source: Lake County records, as of October 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	231 RICHARDS CT, WINTHROP HARBOR, IL 60096-1036
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 2, 2021	Deed of Trust, Mortgage · FHA Mortgage BAY EQUITY LLC
Oct 11, 2019	Warranty Deed, Transfer · Conventional Mortgage PS FNDG INC
Oct 5, 2026	Re-recorded Document NONE LISTED ON DOCUMENT
Apr 10, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2019 · Amount on File
Deed Sale	Oct 11, 2019 · Amount on File
Prior Sale	Aug 29, 2007 · Amount on File
Deed Document Number	20197599870
Prior Transfer Date	Jan 24, 2013
Prior Transfer Doc	0006956484
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	231 RICHARDS CT, WINTHROP HARBOR, IL 60096-1036
Transaction Type	Mortgage
Record Updated	Aug 3, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0007813846
Date	Aug 2, 2021
Instrument	7813846

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company
Address	CORTE MADERA, CA 94925

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Oct 11, 2019
Property Address	231 RICHARDS CT, WINTHROP HARBOR, IL 60096-1036
Document Number	0007599870
Instrument Date	Oct 1, 2019
Instrument	7599870
Transaction Type	Transfer
Record Updated	Nov 1, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$388.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	231 RICHARDS CT WINTHROP HARBOR IL 600961036, WINTHROP HARBOR, IL 60096-1036

Mortgage

Document Number	7599872
Date	Oct 11, 2019
Instrument	7599872

Lender

Name	PS FNDG INC
Address	EL SEGUNDO, CA 90245

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	24 Months
Due	Oct 10, 2021

October 2026: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	LAKE IL
Recording Date	Oct 5, 2026
Property Address	231 RICHARDS CT, WINTHROP HARBOR, IL 60096-1036
Document Number	0008198337
Instrument Date	Oct 1, 2019
Instrument	20268198337
Record Updated	Oct 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 RICHARDS CT, WINTHROP HARBOR, IL 60096-1036
Investor	Possibly a Property Investor

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IL
Recording Date	Apr 10, 2017
Property Address	231 RICHARDS CT, WINTHROP HARBOR, IL 60096-1036
Document Number	0007385553
Instrument Date	Apr 10, 2017
Instrument	7385553
Transaction Type	Transfer
Record Updated	May 10, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	231 RICHARDS CT WINTHROP HARBOR IL 600961036, WINTHROP HARBOR, IL 60096-1036

Tax Assessment & Valuation

The 2025 property tax bill for 231 Richards Ct was $10,810, down 5.1% 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	$10,810.00 (-5.11%) Homeowner's exemption	$132,760 (+9.6%) Land $10,371 Building $122,389	$398,320 (+9.6%) Land $31,116 Building $367,204
2024	$11,392.00 (+8.88%)	$121,132 (+14.68%) Land $9,463 Building $111,669	$363,433 (+14.68%) Land $28,392 Building $335,041
2023	$10,463.00 (+9%)	$105,622 (+9.32%) Land $9,135 Building $96,487	$316,898 (+9.32%) Land $27,408 Building $289,490
2022	$9,599.00	$96,617 Land $8,906 Building $87,711	$289,880 Land $26,721 Building $263,159

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 231 Richards Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1986.

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	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 231 Richards Ct is low, with 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 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	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 199 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

May also be available: AT&T.

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