245 E North Ave, Lake Bluff, IL 60044 Property Records

Lake County property record for 245 E North Ave, Lake Bluff, IL 60044 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,747 sqft · built 1986
Lot Size	0.227 acres (9,871 sqft)
Owner	2 Individual Names on File
Last Sale	$825,000 (Jan 2020)
Tax Bill	$22,509 (2024)
Deeds & Mortgages	Feb 2022 Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-21-112-013`

Property Details

APN / Parcel Number

Primary APN	`12-21-112-013`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,747 sqft Living Area
Gross Area	4,521 sqft
1st Floor Area	1,563 sqft
Upper Floors Area	1,248 sqft
Basement Area	1,248 sqft
Finished Basement	936 sqft
Unfinished Basement	312 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	9,871 sqft (0.227 acres)
Lot Dimensions	125 ft deep x 79 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	245 E NORTH AVE
City	LAKE BLUFF
State	IL
Zip	60044-2135
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTFIELD RESUB; LOT 8
Legal Subdivision	WESTFIELD RESUB
Legal Lot Number	8
Jurisdiction	LAKE IL
Township / Civil Division	SHIELDS
Census Block Group	2
Census Block	2044
Census Tract	863300

Owner

Source: Lake County records · APN 12-21-112-013

Assessment roll updated April 29, 2026 · Last verified May 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 File
Mailing Address	245 E NORTH AVE, LAKE BLUFF, IL 60044-2135
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 08, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP
Jan 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Mar 21, 2017	Deed of Trust, Mortgage · ARM WINTRUST MORTGAGE
Jan 29, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 29, 2020 · Amount on Record
Deed Sale	Jan 29, 2020 · Amount on Record
Prior Sale	Apr 03, 2008 · Amount on Record
Deed Document Number	20207629237
Record Updated	Jun 08, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	245 E NORTH AVE, LAKE BLUFF, IL 60044-2135
Transaction Type	Mortgage
Record Updated	Feb 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007871847
Date	Feb 08, 2022
Instrument	7871847

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company
Address	AURORA, IL 60506

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 01, 2052

Interest

Rate Type	Fixed Rate
Rate	3%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	245 E NORTH AVE, LAKE BLUFF, IL 60044-2135
Transaction Type	Mortgage
Record Updated	Mar 11, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007740366
Date	Jan 20, 2021
Instrument	7740366

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Oct 01, 2050

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	245 E NORTH AVE, LAKE BLUFF, IL 60044-2135
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007381024
Date	Mar 21, 2017
Instrument	7381024

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Apr 01, 2022
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.5%
Index	1-Year LIBOR
Max Rate	8.5%

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Jan 29, 2020
Property Address	245 E NORTH AVE, LAKE BLUFF, IL 60044-2135
Document Number	0007629237
Map Reference	DOC 2412705
Instrument Date	Dec 26, 2019
Instrument	7629237
Transaction Type	Transfer
Record Updated	Mar 17, 2022
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	245 E NORTH AVE, 245, LAKE BLUFF, IL 60044-2135

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245E E NORTH AVE, LAKE BLUFF, IL 60044-2135

Mortgage

Document Number	0007629238
Date	Jan 29, 2020
Instrument	7629238

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2050

Interest

Rate Type	Fixed Rate
Rate	5%

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated April 29, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Shields Township
Municipality	Lake Bluff Village
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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$365,149 (+20.59%) Land $135,498 Building $229,651	$1,095,557 (+20.59%) Land $406,535 Building $689,022
2024	$22,509.00 (+13.74%)
2023	$19,790.00 (+3.62%)	$302,814 (+5.97%) Land $112,367 Building $190,447	$908,533 (+5.97%) Land $337,135 Building $571,398
2022	$19,099.00	$285,766 Land $106,041 Building $179,725	$857,384 Land $318,155 Building $539,229

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lake County (17097C), updated February 20, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170978633002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (1983)
Most Recent Claim	Aug 1983, tidal / storm surge

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 313 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
AT&T	Fiber	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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