321 Oak St, Waukegan, IL 60085 Property Records

Lake County property record for 321 Oak St, Waukegan, IL 60085

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,560 sqft · built 1901
Lot Size	0.098 acres (4,282 sqft)
Owner	Individual Name on File
Last Sale	$106,500 (Mar 2020)
Tax Bill	$3,770 (2024)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-28-211-011`

Property Details

APN / Parcel Number

Primary APN	`08-28-211-011`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,560 sqft Living Area
Gross Area	2,540 sqft
1st Floor Area	980 sqft
2nd Floor Area	580 sqft
Upper Floors Area	580 sqft
Basement Area	980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1935
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	4,282 sqft (0.098 acres)
Lot Dimensions	132 ft deep x 33 ft wide
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	142 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	321 OAK ST
City	WAUKEGAN
State	IL
Zip	60085-6526
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MC KAYS ADDN N1/2 LOT 8 BLOCK 6
Legal Subdivision	MC KAYS ADDN
Legal Block	6
Legal Lot Number	8
Jurisdiction	LAKE IL
Township / Civil Division	WAUKEGAN
Census Block Group	3
Census Block	3014
Census Tract	862300

Owner

321 Oak St is owned and occupied by an individual who bought it in March 2020.

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

Owner of Record	Individual Name on File
Mailing Address	321 OAK ST, WAUKEGAN, IL 60085-6526
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2020 · Amount on File
Deed Sale	Mar 10, 2020 · Amount on File
Prior Sale	Jul 19, 2002 · Amount on File
Deed Document Number	20207640113
Record Updated	Oct 29, 2026

March 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Mar 10, 2020
Property Address	321 OAK ST, WAUKEGAN, IL 60085-6526
Document Number	0007640113
Instrument Date	Feb 18, 2020
Instrument	7640113
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 5, 2022
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$106.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 OAK ST, WAUKEGAN, IL 60085-6526

Mortgage

Document Number	0007640114
Date	Mar 10, 2020
Instrument	7640114

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Waukegan Township
Municipality	Waukegan City
Unified School District	Waukegan Community Unit School District 60 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$46,661 Land $5,992 Building $40,669	$139,997 Land $17,978 Building $122,019
2024	$3,770.00 (+53.88%)
2023	$2,450.00 (+13.85%)	$38,898 (+25.19%) Land $4,995 Building $33,903	$116,705 (+25.19%) Land $14,986 Building $101,719
2022	$2,152.00	$31,071 Land $3,887 Building $27,184	$93,222 Land $11,662 Building $81,560

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 321 Oak St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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 Claims	1 (1979)
Most Recent Claim	Mar 1979 · tidal / storm surge

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

The area around 321 Oak St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	WAUKEGAN serves 87,149 people · EPA ID IL0971900
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	10 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	4 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 322 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20