235 Richards Ct, Winthrop Harbor, IL 60096 Property Records

Lake County property record for 235 Richards Ct, Winthrop Harbor, IL 60096

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,518 sqft · built 2006
Lot Size	0.41 acres (17,838 sqft)
Owner	2 Individual Names on File
Last Sale	$318,000 (Oct 2021)
Tax Bill	$10,100 (2023)
Deeds & Mortgages	Jan 2024 Transfer Oct 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-04-301-048`

Property Details

APN / Parcel Number

Primary APN	`04-04-301-048`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,518 sqft Living Area
Gross Area	4,460 sqft
1st Floor Area	1,072 sqft
2nd Floor Area	1,446 sqft
Upper Floors Area	1,446 sqft
Basement Area	1,072 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Fiberglass
Lot Area	17,838 sqft (0.41 acres)
Garage Type	Attached
Garage Area	870 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	42 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	235 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 25
Legal Subdivision	COVENANT COURTS SUBDIVISION
Legal Lot Number	25
Jurisdiction	LAKE IL
Township / Civil Division	BENTON
Census Block Group	3
Census Block	3010
Census Tract	860103

Owner

235 Richards Ct is owned and occupied by two individuals who acquired it in January 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	235 RICHARDS CT, WINTHROP HARBOR, IL 60096-1036
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jan 8, 2024	Intrafamily Transfer, Transfer
Oct 17, 2023	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Aug 18, 2022	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Oct 7, 2021	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2021 · Amount on File
Deed Sale	Oct 7, 2021 · Amount on File
Prior Sale	May 24, 2006 · Amount on File
Deed Document Number	20217832584
Last Transfer Date	Jan 8, 2024
Transfer Doc	0008013854
Record Updated	Sep 20, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE IL
Recording Date	Jan 8, 2024
Property Address	235 RICHARDS CT, WINTHROP HARBOR, IL 60096-1036
Document Number	0008013854
Map Reference	DOC 5518903
Instrument Date	Jan 8, 2024
Instrument	8013854
Transaction Type	Transfer
Record Updated	Jan 18, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 RICHARDS CT, WINTHROP HARBOR, IL 60096-1036

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	235 RICHARDS CT, WINTHROP HARBOR, IL 60096-1036
Transaction Type	Mortgage
Record Updated	Oct 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 RICHARDS CT, WINTHROP HARBOR, IL 60096-1036

Mortgage

Document Number	0008001459
Date	Oct 17, 2023
Instrument	8001459

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	235 RICHARDS CT, WINTHROP HARBOR, IL 60096-1036
Transaction Type	Mortgage
Record Updated	Aug 3, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE GURNEE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007927162
Date	Aug 18, 2022
Instrument	7927162

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	350 Months
Due	Oct 1, 2051

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Oct 7, 2021
Property Address	235 RICHARDS CT, WINTHROP HARBOR, IL 60096-1036
Document Number	0007832584
Map Reference	DOC 5518903
Instrument Date	Aug 6, 2021
Instrument	7832584
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$318.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 RICHARDS CT, WINTHROP HARBOR, IL 60096-1036

Mortgage

Document Number	0007832585
Date	Oct 7, 2021
Instrument	7832585

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

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		$127,113 Land $11,378 Building $115,735	$381,377 Land $34,137 Building $347,240
2023	$10,100.00 (-8.48%)	$107,819 (+9.69%) Land $10,021 Building $97,798	$323,489 (+9.69%) Land $30,066 Building $293,423
2022	$11,036.00	$98,296 Land $9,774 Building $88,522	$294,918 Land $29,325 Building $265,593

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 235 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 235 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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