282 Dover Cir, Lake Forest, IL 60045 Property Records

Lake County property record for 282 Dover Cir, Lake Forest, IL 60045

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,320 sqft · built 1984
Lot Size	0.481 acres (20,965 sqft)
Owner	2 Individual Names on File
Last Sale	$694,500 (Jul 2021)
Tax Bill	$21,984 (2024)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-14-407-021`

Property Details

APN / Parcel Number

Primary APN	`15-14-407-021`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,320 sqft Living Area
Gross Area	5,872 sqft
1st Floor Area	1,660 sqft
Upper Floors Area	1,660 sqft
Basement Area	1,660 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Lot Area	20,965 sqft (0.481 acres)
Garage Type	Attached
Garage Area	892 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	155 sqft
Deck Area	Deck Area
Patio Area	227 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	282 DOVER CIR
City	LAKE FOREST
State	IL
Zip	60045-3490
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINCOLNSHIRE WOODS UNIT 4 LOT 160
Legal Subdivision	LINCOLNSHIRE WOODS UNIT 4
Legal Lot Number	160
Legal Unit	4
Jurisdiction	LAKE IL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1054
Census Tract	866200

Owner

282 Dover Cir is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	282 DOVER CIR, LAKE FOREST, IL 60045-3490
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
Jul 26, 2021	Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP
Feb 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
Dec 15, 2017	Deed of Trust, Mortgage · Line of Credit LAKE FOREST BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2021 · Amount on File
Deed Sale	Jul 26, 2021 · Amount on File
Prior Sale	Jul 16, 1999 · Amount on File
Deed Document Number	20217811615
Prior Transfer Date	Sep 14, 2012
Prior Transfer Doc	0006902520
Record Updated	Oct 29, 2026

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE IL
Recording Date	Jul 26, 2021
Property Address	282 DOVER CIR, LAKE FOREST, IL 60045-3490
Document Number	0007811615
Map Reference	DOC 2001330
Instrument Date	Jun 14, 2021
Instrument	7811615
Transaction Type	Transfer
Record Updated	Sep 10, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$694.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	282 DOVER CIR, LINCOLNSHIRE, IL 60069

Mortgage

Document Number	0007811616
Date	Jul 26, 2021
Instrument	7811616

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.87%
Index	1-Year CMT
Max Rate	7.87%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	282 DOVER CIR, LAKE FOREST, IL 60045-3490
Transaction Type	Mortgage
Record Updated	Mar 26, 2021
Title Company	MANT TITLE AGENCY, GMT TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007747019
Date	Feb 4, 2021
Instrument	7747019

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.49%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	282 DOVER CIR, LAKE FOREST, IL 60045-3490
Document Number	0007453471
Instrument Date	Dec 15, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2018
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	282 DOVER CIR LAKE FOREST IL 600453490, LAKE FOREST, IL 60045-3490

Mortgage

Document Number	0007453471
Date	Dec 27, 2017
Instrument	7453471

Lender

Name	LAKE FOREST BK&TR
Type	Bank
Address	LAKE FOREST, IL 60045

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 26, 2037

Interest

Rate Type	Adjustable Rate
Rate	4.5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Vernon Township
Municipality	Lincolnshire Village
Elementary School District	Lincolnshire-Prairieview School District 103 (KG - 08)
Secondary School District	Adlai E. Stevenson High School District 125 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$274,229 Land $75,738 Building $198,491	$822,770 Land $227,237 Building $595,533
2024	$21,984.00 (+14.21%)
2023	$19,249.00 (+3.99%)	$234,452 (+7.42%) Land $64,752 Building $169,700	$703,426 (+7.42%) Land $194,275 Building $509,151
2022	$18,510.00	$218,262 Land $60,280 Building $157,982	$654,851 Land $180,858 Building $473,993

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 282 Dover Cir in Zone X, an area of minimal flood risk, though there have been 9 flood claims 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
Flood Insurance Cost	Premium on File median of 17 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	9 (1986–2020)
Claims Outside the SFHA	2 of 9
Most Recent Claim	May 2020 · river or lake 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 282 Dover Cir 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 94% of the US · lower than 65% 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	LINCOLNSHIRE serves 7,940 people · EPA ID IL0970950
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 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	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 197 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 · Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile.

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