3020 Emmaus Ave, Zion, IL 60099 Property Records

Lake County property record for 3020 Emmaus Ave, Zion, IL 60099

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,560 sqft · built 1906
Lot Size	0.175 acres (7,601 sqft)
Owner	Individual Name on Record
Last Sale	$15,000 (Nov 2015)
Tax Bill	$7,192 (2024)
Deeds & Mortgages	Nov 2021 Mortgage Jan 2025 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-28-211-023`

Property Details

APN / Parcel Number

Primary APN	`04-28-211-023`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	2 Stories
Building Area	1,560 sqft Living Area
Gross Area	2,548 sqft
1st Floor Area	988 sqft
2nd Floor Area	572 sqft
Upper Floors Area	572 sqft
Basement Area	988 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	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	96 sqft
Deck Area	96 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3020 EMMAUS AVE
City	ZION
State	IL
Zip	60099-3230
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ZION CITY SEC.28; LOT 23 BLOCK 22
Legal Subdivision	ZION CITY SEC.28
Legal Block	22
Legal Lot Number	23
Jurisdiction	LAKE IL
Township / Civil Division	ZION
Census Block Group	2
Census Block	2011
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	3016 20TH PL, NORTH CHICAGO, IL 60064-1917
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Deed of Trust, Mortgage · Commercial Mortgage COMMERCIAL LENDER LLC
Jan 14, 2025	Deed of Trust, Mortgage · Construction Mortgage COMMERCIAL LENDER LLC
Sep 27, 2021	Quit Claim Deed, Transfer Quitclaim
Sep 5, 2017	Deed of Trust, Mortgage BAXTER CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2015 · Amount on Record
Deed Sale	Nov 17, 2015 · Amount on Record
Prior Sale	Feb 5, 2014 · Amount on Record
Deed Document Number	20157247806
Last Transfer Date	Sep 27, 2021
Transfer Doc	0007829520
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	3020 EMMAUS AVE, ZION, IL 60099-3230
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4730 S FORT APACHE RD 300, 300, LAS VEGAS, NV 89147-7947
Investor	Possibly a Property Investor

Mortgage

Document Number	0007845162
Date	Nov 17, 2021
Instrument	7845162

Lender

Name	COMMERCIAL LENDER LLC
Type	Non-Lending Institution
Address	VERNON ROCKVILLE, CT 06066

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Fixed Rate
Rate	6.28%

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	3020 EMMAUS AVE, ZION, IL 60099-3230
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	SOURCEPOINT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008077078
Date	Jan 14, 2025
Instrument	8077078

Lender

Name	COMMERCIAL LENDER LLC
Type	Non-Lending Institution
Address	VERNON ROCKVILLE, CT 06066

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2055

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IL
Recording Date	Sep 27, 2021
Property Address	3020 EMMAUS AVE, ZION, IL 60099-3230
Document Number	0007829520
Map Reference	DOC 82496
Instrument Date	Sep 27, 2021
Instrument	7829520
Transaction Type	Transfer
Record Updated	Nov 3, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3016 20TH PL, 3016, NORTH CHICAGO, IL 60064-1917

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	1301 16TH ST, NORTH CHICAGO, IL 60064-2074
Investor	Possibly a Property Investor

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	3020 EMMAUS AVE, ZION, IL 60099-3230
Document Number	0007441702
Instrument Date	Sep 5, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3020 EMMAUS AVE ZION IL 600993230, ZION, IL 60099-3230

Mortgage

Document Number	0007441702
Date	Nov 8, 2017
Instrument	7441702

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 7, 2047

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		$64,193 (+27.02%) Land $9,037 Building $55,156	$192,599 (+27.02%) Land $27,114 Building $165,485
2024	$7,192.00 (+64.46%)
2023	$4,373.00 (-3.42%)	$50,539 (+65.17%) Land $7,115 Building $43,424	$151,632 (+65.17%) Land $21,347 Building $130,285
2022	$4,528.00	$30,599 Land $5,857 Building $24,742	$91,806 Land $17,573 Building $74,233

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

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 80% of the US · above 71% of Illinois
Wildfire Likelihood	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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