2402 Michael Ave, Zion, IL 60099 Property Records

Lake County property record for 2402 Michael Ave, Zion, IL 60099

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,440 sqft · built 2005
Lot Size	0.202 acres (8,786 sqft)
Owner	Individual Name on File
Last Sale	$173,000 (Oct 2017)
Deeds & Mortgages	Jan 2022 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-19-205-013`

Property Details

APN / Parcel Number

Primary APN	`04-19-205-013`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,440 sqft Living Area
Gross Area	3,920 sqft
1st Floor Area	1,080 sqft
2nd Floor Area	1,360 sqft
Upper Floors Area	1,360 sqft
Basement Area	1,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Fiberglass
Lot Area	8,786 sqft (0.202 acres)
Lot Dimensions	135 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2402 MICHAEL AVE
City	ZION
State	IL
Zip	60099-9224
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHEPHERDS CROSSING PHASE TWO SUBDIVISION; LOT 64
Legal Subdivision	SHEPHERDS CROSSING PHASE TWO SUBDIVISION
Legal Phase	2
Legal Lot Number	64
Jurisdiction	LAKE IL
Township / Civil Division	ZION
Census Block Group	3
Census Block	3023
Census Tract	860105

Owner

2402 Michael Ave is owned and occupied by an individual who bought it in October 2017.

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

Owner of Record	Individual Name on File
Mailing Address	2402 MICHAEL AVE, ZION, IL 60099-9224
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
Jan 24, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 29, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 18, 2017	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
May 16, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2017 · Amount on File
Deed Sale	Oct 18, 2017 · Amount on File
Prior Sale	May 16, 2017
Deed Document Number	20177436105
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	2402 MICHAEL AVE, ZION, IL 60099-9224
Transaction Type	Mortgage
Record Updated	Mar 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007864911
Date	Jan 24, 2022
Instrument	7864911

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	2402 MICHAEL AVE, ZION, IL 60099-9224
Transaction Type	Mortgage
Record Updated	May 13, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007768718
Date	Mar 29, 2021
Instrument	7768718

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	321 Months
Due	Dec 1, 2047

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE IL
Recording Date	Oct 18, 2017
Property Address	2402 MICHAEL AVE, ZION, IL 60099-9224
Document Number	0007436105
Instrument Date	Oct 4, 2017
Instrument	7436105
Transaction Type	Transfer
Record Updated	Nov 1, 2017

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$259.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1918 CHESTNUT ST WAUKEGAN IL 600874975, WAUKEGAN, IL 60087-4975

Mortgage

Document Number	7436106
Date	Oct 18, 2017
Instrument	7436106

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 17, 2047

Interest

Rate Type	Fixed Rate
Rate	4%

May 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	LAKE IL
Recording Date	May 16, 2017
Property Address	2402 MICHAEL AVE, ZION, IL 60099-9224
Document Number	0007395022
Instrument Date	May 3, 2017
Instrument	7395022
Transaction Type	Foreclosure
Record Updated	Jun 1, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	2999 WESTMINSTER AVE #265 SEAL BEACH CA 907405379, 265, SEAL BEACH, CA 90740-5379

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Zion Township
Municipality	Zion City
Elementary School District	Beach Park Community Consolidated School District 3 (PK - 08)
Secondary School District	Zion-Benton Township High School District 126 (09 - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2025	$109,161 Land $16,987 Building $92,174	$327,516 Land $50,966 Building $276,550
2023	$88,519 Land $13,775 Building $74,744	$265,583 Land $41,329 Building $224,254

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2402 Michael 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 2402 Michael 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 98% of the US · lower than 86% 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	ZION serves 24,442 people · EPA ID IL0972000
Water Source	Purchased surface water from LAKE COUNTY PUBLIC WATER DISTRICT
Last State Inspection	Aug 2025
Lead	11 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 204 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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