2903 Emmaus Ave, Zion, IL 60099 Property Records

Lake County property record for 2903 Emmaus Ave, Zion, IL 60099

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 864 sqft · built 1974
Lot Size	0.186 acres (8,102 sqft)
Owner	Individual Name on Record
Last Sale	$229,000 (Jan 2026)
Tax Bill	$6,710 (2024)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Jun 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-28-206-002`

Property Details

APN / Parcel Number

Primary APN	`04-28-206-002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	4 Plumbing Fixtures
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	1,728 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,102 sqft (0.186 acres)
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	60 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2903 EMMAUS AVE
City	ZION
State	IL
Zip	60099-3227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ZION CITY SECTION 28 LOT 2 BLOCK 11
Legal Subdivision	ZION CITY SECTION 28
Legal Block	11
Legal Lot Number	2
Jurisdiction	LAKE IL
Township / Civil Division	ZION
Census Block Group	1
Census Block	1009
Census Tract	860500

Owner

Source: Lake County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2109 ELISHA AVE, F, ZION, IL 60099-2366
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2026	Warranty Deed, Transfer · Conventional Mortgage US MORTGAGE FUNDING INC
Jun 28, 2022	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
May 16, 2022	Warranty Deed, Transfer FIRST AMERICAN TITLE
Mar 24, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage OLD NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 12, 2026 · Amount on Record
Deed Sale	Jan 12, 2026 · Amount on Record
Prior Sale	May 16, 2022 · Amount on Record
Deed Document Number	20268143578
Prior Transfer Date	Jun 15, 2022
Prior Transfer Doc	0007914666
Record Updated	Sep 20, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Jan 12, 2026
Property Address	2903 EMMAUS AVE, ZION, IL 60099-3227
Document Number	0008143578
Instrument Date	Nov 28, 2025
Instrument	8143578
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$229.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2207 ARLINGTON AVE, TORRANCE, CA 90501-4439

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2109 ELISHA AVE, ZION, IL 60099-2366

Mortgage

Document Number	0008143579
Date	Jan 12, 2026
Instrument	8143579

Lender

Name	US MORTGAGE FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.25%

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IL
Recording Date	Jun 28, 2022
Property Address	2903 EMMAUS AVE, ZION, IL 60099-3227
Document Number	0007914666
Instrument Date	Jun 15, 2022
Instrument	7914666
Transaction Type	Transfer
Record Updated	Jul 7, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2207 ARLINGTON AVE, 2207, TORRANCE, CA 90501-4439

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2207 ARLINGTON AVE, TORRANCE, CA 90501-4439

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	May 16, 2022
Property Address	2903 EMMAUS AVE, ZION, IL 60099-3227
Document Number	0007904459
Map Reference	DOC 82496
Instrument Date	May 10, 2022
Instrument	7904459
Transaction Type	Transfer
Record Updated	May 27, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$159.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5305 BAYRIDGE RD, RANCHO PALOS VERDES, CA 90275-1711

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE IL
Recording Date	Mar 24, 2022
Property Address	2903 EMMAUS AVE, ZION, IL 60099-3227
Document Number	0007890237
Map Reference	DOC 82496
Instrument Date	Feb 24, 2022
Instrument	7890237
Transaction Type	Transfer
Record Updated	Apr 8, 2022
Title Company	FIDELITY NATIONAL TITLE

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
Relationship	Tenants by the Entirety
Address	2903 EMMAUS AVE, ZION, IL 60099-3227

Mortgage

Document Number	0007890238
Date	Mar 24, 2022
Instrument	7890238

Lender

Name	OLD NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2042

Interest

Rate Type	Fixed Rate
Rate	3.37%

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	Zion Elementary School District 6 (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		$59,889 (+13.25%) Land $9,422 Building $50,467	$179,685 (+13.25%) Land $28,269 Building $151,416
2024	$6,710.00 (+52.92%)	$52,883 (+12.16%) Land $8,320 Building $44,563	$158,664 (+12.16%) Land $24,962 Building $133,702
2023	$4,388.00 (+6.3%)	$47,150 (+28.47%) Land $7,418 Building $39,732	$141,464 (+28.47%) Land $22,256 Building $119,208
2022	$4,128.00	$36,701 Land $6,130 Building $30,571	$110,114 Land $18,392 Building $91,722

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective February 20, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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 61% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 503 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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