Lake County property record for 34439 N Saddle Ln, Gurnee, IL 60031
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,593 sqft · built 1988 |
| Lot Size | 0.125 acres (5,449 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $390,000 (Jul 2026) |
| Tax Bill | $9,241 (2025) |
| Deeds & Mortgages | Jul 2026 Sale Jul 2026 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-20-301-016 |
| Primary APN | 07-20-301-016 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,593 sqft Living Area |
| Gross Area | 3,140 sqft |
| 1st Floor Area | 1,087 sqft |
| 2nd Floor Area | 506 sqft |
| Upper Floors Area | 506 sqft |
| Basement Area | 1,087 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 5,449 sqft (0.125 acres) |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 33 sqft |
| Patio Area | 404 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 34439 N SADDLE LN |
|---|---|
| City | GURNEE |
| State | IL |
| Zip | 60031-4223 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COUNTRY TOWNE SUB; LOT 119 |
| Legal Subdivision | COUNTRY TOWNE SUB |
| Legal Lot Number | 119 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | WARREN |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 861610 |
34439 N Saddle Ln is owned and occupied by two individuals who bought it in July 2026.
Source: Lake County records, as of September 24, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 34439 N SADDLE LN, GURNEE, IL 60031-4223 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Jul 7, 2026 | Affidavit, Transfer |
| Jul 7, 2026 | Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE |
| Oct 6, 2023 | Deed of Trust, Mortgage · FHA Mortgage DOVENMUEHLE MORTGAGE INC |
| Aug 1, 2023 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Jun 17, 2019 | Loan Modification, Mortgage · FHA Mortgage NATIONS DIRECT MTG |
| Jun 17, 2019 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2026 · Amount on File |
| Deed Sale | Jul 7, 2026 · Amount on File |
| Prior Sale | Jun 2, 2016 · Amount on File |
| Deed Document Number | 20268179437 |
| Prior Transfer Date | Jul 27, 2023 |
| Prior Transfer Doc | 0007987453 |
| Record Updated | Oct 29, 2026 |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Jul 7, 2026 |
| Property Address | 34439 N SADDLE LN, GURNEE, IL 60031-4223 |
| Document Number | 0008179436 |
| Instrument Date | Jun 23, 2026 |
| Instrument | 20268179436 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 34439 N SADDLE LN, GURNEE, IL 60031-4223 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Jul 7, 2026 |
| Property Address | 34439 N SADDLE LN, GURNEE, IL 60031-4223 |
| Document Number | 0008179437 |
| Instrument Date | Apr 29, 2026 |
| Instrument | 20268179437 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2026 |
| Title Company | AT HOME TITLE, HOME TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $59,085.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 34439 N SADDLE LN, GURNEE, IL 60031-4223 |
| Document Number | 0008179438, |
|---|---|
| Date | Jul 7, 2026 |
| Instrument | 20268179438 |
| Name | WINTRUST MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Number | 0008179439, |
|---|---|
| Date | Jul 7, 2026 |
| Instrument | 20268179439 |
| Name | ILLINOIS HOUSING DEV AUTHORITY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 34439 N SADDLE LN, GURNEE, IL 60031-4223 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2023 |
| Name | Verified Name |
|---|---|
| Address | 34439 N SADDLE LN, GURNEE, IL 60031-4223 |
| Document Number | 0007999967 |
|---|---|
| Date | Oct 6, 2023 |
| Instrument | 7999967 |
| Name | DOVENMUEHLE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75201 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 338 Months |
| Due | Dec 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Aug 1, 2023 |
| Property Address | 34439 N SADDLE LN, GURNEE, IL 60031-4223 |
| Document Number | 0007987453 |
| Map Reference | DOC 258932 |
| Instrument Date | Jul 27, 2023 |
| Instrument | 7987453 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 34439 N SADDLE LN, GURNEE, IL 60031-4223 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 34439 N SADDLE LN, GURNEE, IL 60031-4223 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 34439 N SADDLE LN, GURNEE, IL 60031-4223 |
| Document Number | 0007578519 |
| Instrument Date | Jun 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 34439 N SADDLE LN GURNEE IL 600314223, GURNEE, IL 60031-4223 |
| Document Number | 0007578519 |
|---|---|
| Date | Jul 24, 2019 |
| Instrument | 7578519 |
| Name | NATIONS DIRECT MTG |
|---|---|
| Type | Mortgage Company |
| Address | LAKE ZURICH, IL 60047 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 23, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 34439 N SADDLE LN, GURNEE, IL 60031-4223 |
| Document Number | 0007576135 |
| Instrument Date | Jun 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 34439 N SADDLE LN GURNEE IL 600314223, GURNEE, IL 60031-4223 |
| Document Number | 0007576135 |
|---|---|
| Date | Jul 15, 2019 |
| Instrument | 7576135 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 14, 2049 |
The 2025 property tax bill for 34439 N Saddle Ln was $9,241, up 10.3% from the year before.
Source: Lake County assessment roll, as of April 29, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,241.00 (+10.34%) | $105,047 (+18.18%) Land $14,868 Building $90,179 | $315,172 (+18.18%) Land $44,608 Building $270,564 |
| 2024 | $8,375.00 (+6.91%) | $88,889 (+7.71%) Land $12,581 Building $76,308 | $266,694 (+7.71%) Land $37,747 Building $228,947 |
| 2023 | $7,834.00 (+14.52%) | $82,526 (+8.6%) Land $11,680 Building $70,846 | $247,603 (+8.6%) Land $35,044 Building $212,559 |
| 2022 | $6,841.00 | $75,994 Land $11,399 Building $64,595 | $228,004 Land $34,200 Building $193,804 |
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.
FEMA maps place 34439 N Saddle Ln in Zone X, an area of minimal flood risk.
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 risk around 34439 N Saddle Ln is low, with less than a 0.01% annual chance of 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GURNEE serves 30,193 people · EPA ID IL0970350 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
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 |
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