3604 Sarah Dr, Zion, IL 60099 Property Records

Lake County property record for 3604 Sarah Dr, Zion, IL 60099

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,160 sqft · built 2006
Lot Size	0.203 acres (8,838 sqft)
Owner	2 Individual Names on File
Last Sale	$278,500 (Aug 2006)
Tax Bill	$10,330 (2024)
Deeds & Mortgages	Apr 2022 Transfer May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-20-101-113`

Property Details

APN / Parcel Number

Primary APN	`04-20-101-113`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,160 sqft Living Area
Gross Area	3,640 sqft
1st Floor Area	1,080 sqft
2nd Floor Area	1,080 sqft
Upper Floors Area	1,080 sqft
Basement Area	1,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Fiberglass
Lot Area	8,838 sqft (0.203 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3604 SARAH DR
City	ZION
State	IL
Zip	60099-9218
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHEPHERDS CROSSING PHASE THREE SUB; LOT 129
Legal Subdivision	SHEPHERDS CROSSING PHASE THREE SUB
Legal Phase	3
Legal Lot Number	129
Jurisdiction	LAKE IL
Township / Civil Division	ZION
Census Block Group	3
Census Block	3018
Census Tract	860105

Owner

3604 Sarah Dr is owned and occupied by two individuals who acquired it in April 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	3604 SARAH DR, ZION, IL 60099-9218
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Date	Document
Apr 8, 2022	Transfer on Death Deed, Transfer FIRST AMERICAN TITLE
May 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2006 · Amount on File
Deed Sale	Aug 10, 2006 · Amount on File
Deed Document Number	20066041512
Last Transfer Date	Apr 1, 2022
Transfer Doc	0007895284
Record Updated	Oct 29, 2026

April 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	LAKE IL
Recording Date	Apr 8, 2022
Property Address	3604 SARAH DR, ZION, IL 60099-9218
Document Number	0007895284
Map Reference	DOC 5722181
Instrument Date	Apr 1, 2022
Instrument	7895284
Transaction Type	Transfer
Record Updated	Apr 20, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3604 SARAH DR, ZION, IL 60099-9218

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	3604 SARAH DR, ZION, IL 60099-9218
Transaction Type	Mortgage
Record Updated	Jul 27, 2021
Title Company	CITYWIDE TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007793335
Date	May 27, 2021
Instrument	7793335

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 1, 2031

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	Beach Park Community Consolidated School District 3 (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		$105,087 Land $17,093 Building $87,994	$315,292 Land $51,284 Building $264,008
2024	$10,330.00 (+15.37%)
2023	$8,954.00 (+1.47%)	$85,215 (+14.18%) Land $13,861 Building $71,354	$255,670 (+14.18%) Land $41,587 Building $214,083
2022	$8,824.00	$74,629 Land $12,439 Building $62,190	$223,910 Land $37,321 Building $186,589

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 3604 Sarah Dr 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
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

Wildfire risk around 3604 Sarah Dr 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 97% of the US · lower than 79% 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.

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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, T-Mobile, Verizon.

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