34403 N Saddle Ln, #4, Gurnee, IL 60031 Property Records

Lake County property record for 34403 N Saddle Ln, #4, Gurnee, IL 60031

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,400 sqft · built 1988
Lot Size	0.001 acres (36 sqft)
Owner	Individual Name on Record
Last Sale	$178,000 (Sep 2021)
Tax Bill	$5,638 (2024)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-20-301-082`

Property Details

APN / Parcel Number

Primary APN	`07-20-301-082`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,400 sqft Living Area
Gross Area	2,198 sqft
1st Floor Area	620 sqft
2nd Floor Area	780 sqft
Upper Floors Area	768 sqft
Basement Area	608 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Condo/Apartment
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	36 sqft (0.001 acres)
Garage Type	Attached
Garage Area	190 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	15 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	34403 N SADDLE LN, 4
City	GURNEE
State	IL
Zip	60031-4223
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	COUNTRY TOWNE SUB; UNIT4 & 4.166667% INT IN COMMON ELEMENTS IN COUNTRY TOWNHOMESCONDO PER DOC 2761972,2971395,3054446,31 04745 LOT 140
Legal Subdivision	COUNTRY TOWNE SUB
Legal Lot Number	140
Legal Unit	4
Jurisdiction	LAKE IL
Township / Civil Division	WARREN
Census Block Group	2
Census Block	2001
Census Tract	861610

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	34403 N SADDLE LN, GURNEE, IL 60031-4223
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2021 · Amount on Record
Deed Sale	Sep 21, 2021 · Amount on Record
Prior Sale	May 23, 2005 · Amount on Record
Deed Document Number	20217827240
Prior Transfer Date	Jun 25, 2020
Prior Transfer Doc	0007673318
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Sep 21, 2021
Property Address	34403 N SADDLE LN, GURNEE, IL 60031-4223
Document Number	0007827240
Map Reference	DOC 2761972
Instrument Date	Jul 20, 2021
Instrument	7827240
Transaction Type	Transfer
Record Updated	Jun 18, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$178.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	34403 N SADDLE LN, GURNEE, IL 60031-4223

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	34403 N SADDLE LN # 4, 4, GURNEE, IL 60031-4223

Mortgage

Document Number	0007827241
Date	Sep 21, 2021
Instrument	7827241

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Warren Township
Secondary School District	Warren Township High School District 121 (09 - 12)
Elementary School District	Woodland Community Consolidated School District 50 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$75,504 (+19.87%) Land $8,044 Building $67,460	$226,534 (+19.87%) Land $24,134 Building $202,400
2024	$5,638.00 (+19.22%)
2023	$4,729.00 (+24.58%)	$62,989 (+17.45%) Land $6,711 Building $56,278	$188,986 (+17.45%) Land $20,135 Building $168,851
2022	$3,796.00	$53,632 Land $6,709 Building $46,923	$160,912 Land $20,129 Building $140,783

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
Community Rating System	Class 6 (20% premium discount)
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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 196 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 Fixed Wireless · DSL	100 / 20
T-Mobile Fixed Wireless	100 / 20