2908 Emmaus Ave, Zion, IL 60099 Property Records

Lake County property record for 2908 Emmaus Ave, Zion, IL 60099

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 1,680 sqft · built 1906
Lot Size	0.175 acres (7,601 sqft)
Owner	Individual Name on Record
Last Sale	$192,000 (Jun 2021)
Tax Bill	$8,205 (2024)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Aug 2020 Loan Modification + 5 more
Flood Zone	Zone X (minimal risk)
APN	`04-28-205-016`

Property Details

APN / Parcel Number

Primary APN	`04-28-205-016`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,680 sqft Living Area
Gross Area	3,430 sqft
1st Floor Area	840 sqft
2nd Floor Area	840 sqft
Upper Floors Area	1,117 sqft
Attic	Attic
Attic Area	840 sqft
Basement Area	840 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,601 sqft (0.175 acres)
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	246 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2908 EMMAUS AVE
City	ZION
State	IL
Zip	60099-3228
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ZION CITY SECTION 28 LOT 16 BLOCK 10
Legal Subdivision	ZION CITY SECTION 28
Legal Block	10
Legal Lot Number	16
Jurisdiction	LAKE IL
Township / Civil Division	ZION
Census Block Group	2
Census Block	2006
Census Tract	860500

Owner

Source: Lake County records, as of April 29, 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	2908 EMMAUS AVE, ZION, IL 60099-3228
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2021	Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Aug 19, 2020	Loan Modification, Mortgage FIDELITY NATIONAL TITLE
Mar 20, 2020	Deed of Trust, Mortgage · Line of Credit LEADERS BK
Dec 20, 2019	Loan Modification, Mortgage LEADERS BK
Sep 19, 2019	Loan Modification, Mortgage LEADERS BK
Apr 5, 2017	Quit Claim Deed, Transfer ATTORNEY'S TITLE, ATTORNEYS TITLE GUARANTY FUND
Jan 13, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2021 · Amount on Record
Deed Sale	Jun 9, 2021 · Amount on Record
Prior Sale	Apr 5, 2017 · Amount on Record
Deed Document Number	20217796750
Prior Transfer Date	Mar 8, 2017
Prior Transfer Doc	0007384485
Record Updated	Sep 20, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Jun 9, 2021
Property Address	2908 EMMAUS AVE, ZION, IL 60099-3228
Document Number	0007796750
Instrument Date	Jun 2, 2021
Instrument	7796750
Transaction Type	Transfer
Record Updated	Aug 10, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$196.00
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	2908 EMMAUS AVE, ZION, IL 60099-3228

Mortgage

Document Number	0007796751
Date	Jun 9, 2021
Instrument	7796751

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.37%

Mortgage

Document Number	0007796752
Date	Jun 9, 2021
Instrument	7796752

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAKE IL
Property Address	2908 EMMAUS AVE, ZION, IL 60099-3228
Document Number	0007688418
Instrument Date	Aug 19, 2020
Transaction Type	Mortgage
Record Updated	Sep 25, 2020
Title Company	FIDELITY NATIONAL TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	28835 N HERKY DR #107 LAKE BLUFF IL 600441465, 107, LAKE BLUFF, IL 60044-1465

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	2908 EMMAUS AVE, ZION, IL 60099-3228
Document Number	0007644927
Instrument Date	Mar 20, 2020
Transaction Type	Mortgage
Record Updated	Sep 25, 2020
Title Company	FIDELITY NATIONAL TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	28835 N HERKY DR #107 LAKE BLUFF IL 600441465, 107, LAKE BLUFF, IL 60044-1465

Mortgage

Document Number	0007644927
Date	Apr 1, 2020
Instrument	7644927

Lender

Name	LEADERS BK
Type	Bank
Address	2001 YORK RD # 150, OAK BROOK, IL 60523-8890

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAKE IL
Property Address	2908 EMMAUS AVE, ZION, IL 60099-3228
Document Number	0007621398
Instrument Date	Dec 20, 2019
Transaction Type	Mortgage
Record Updated	Jan 28, 2020
Title Company	FIDELITY NATIONAL TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	28835 N HERKY DR #107 LAKE BLUFF IL 600441465, 107, LAKE BLUFF, IL 60044-1465

Mortgage

Document Number	0007621398
Date	Jan 3, 2020
Instrument	7621398

Lender

Name	LEADERS BK
Type	Bank
Address	2001 YORK RD, OAK BROOK, IL 60523-8888

Agreement

Amount	Amount Recorded

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAKE IL
Recording Date	Sep 19, 2019
Property Address	2908 EMMAUS AVE, ZION, IL 60099-3228
Instrument Date	Aug 29, 2019
Instrument	7593992
Transaction Type	Mortgage
Record Updated	Oct 9, 2019
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	28835 N HERKY DR #107 LAKE BLUFF IL 600441465, 107, LAKE BLUFF, IL 60044-1465

Mortgage

Document Number	0007593992
Date	Sep 19, 2019
Instrument	7593992

Lender

Name	LEADERS BK
Type	Bank
Address	2001 YORK RD, OAK BROOK, IL 60523-8888

Agreement

Amount	Amount Recorded

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IL
Recording Date	Apr 5, 2017
Property Address	2908 EMMAUS AVE, ZION, IL 60099-3228
Document Number	0007384485
Instrument Date	Mar 8, 2017
Instrument	7384485
Transaction Type	Transfer
Record Updated	May 10, 2017
Title Company	ATTORNEY'S TITLE, ATTORNEYS TITLE GUARANTY FUND

Transaction

Amount	Amount Recorded
Tax	$90.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	625 2ND ST LIBERTYVILLE IL 600482011, LIBERTYVILLE, IL 60048-2011

January 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	LAKE IL
Recording Date	Jan 13, 2017
Property Address	2908 EMMAUS AVE, ZION, IL 60099-3228
Document Number	0007364708
Instrument Date	Jan 10, 2017
Instrument	7364708
Transaction Type	Foreclosure
Record Updated	Jan 31, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8950 CYPRESS WATERS BLVD COPPELL TX 750194620, COPPELL, TX 75019-4620

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		$73,235 (+27.02%) Land $9,037 Building $64,198	$219,727 (+27.02%) Land $27,114 Building $192,613
2024	$8,205.00 (+19.94%)
2023	$6,841.00 (+12.98%)	$57,657 (+20.47%) Land $7,115 Building $50,542	$172,988 (+20.47%) Land $21,347 Building $151,641
2022	$6,055.00	$47,861 Land $5,860 Building $42,001	$143,598 Land $17,582 Building $126,016

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

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	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

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.

Nearby Properties on Emmaus Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures