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3645 Lakeshore Dr, Winnebago, IL 61088 Property Records

Winnebago County property record for 3645 Lakeshore Dr, Winnebago, IL 61088

Property Summary

Property TypeSingle Family Home
Details1,598 sqft · built 2006
Lot Size0.22 acres (9,583 sqft)
Owner2 Company Names on File
Last Sale$250,000 (Feb 2024)
Tax Bill$5,304 (2025)
Deeds & MortgagesOct 2025 Mortgage
Feb 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN09-25-478-004

Property Details

APN / Parcel Number

Primary APN09-25-478-004
Alternative APN
  • 925478004

Interior

Building Area1,598 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Lot Area9,583 sqft (0.22 acres)
Garage TypeAttached
Garage Area829 sqft

Location & Zoning

Street Address3645 LAKESHORE DR
CityWINNEBAGO
StateIL
Zip61088-8627
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodePCD
Legal DescriptionWESTLAKE VILLAGE NO 4 PT SE1/4 SEC 25-27-10 & PT SW1/4 SEC 30-27-11 LOT 337
Legal Range10
Legal Township27
Legal Section25
Legal SubdivisionWESTLAKE VILLAGE NO 4
Legal Lot Number337
JurisdictionWINNEBAGO IL
Township / Civil DivisionPECATONICA
Census Block Group4
Census Block4026
Census Tract4300

Owner

Source: Winnebago County records, as of July 28, 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 Record2 Company Names on File
Mailing Address3645 LAKESHORE DR, WINNEBAGO, IL 61088-8627
Owner TypeCompany
VestingLife Tenant

Deeds, Mortgages & Sale History

DateDocument
Oct 2, 2025Deed of Trust, Mortgage · VA Mortgage
ZOOM HOME LENDING LLC
Feb 27, 2024Warranty Deed, Transfer · VA Mortgage
USAA FSB

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 27, 2024 · Amount on File
Deed SaleFeb 27, 2024 · Amount on File
Prior SaleOct 13, 2006 · Amount on File
Deed Document Number20244150
Last Transfer DateJan 21, 2025
Transfer Doc0000020327
Record UpdatedOct 29, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWINNEBAGO IL
Property Address3645 LAKESHORE DR, WINNEBAGO, IL 61088-8627
Transaction TypeMortgage
Record UpdatedOct 22, 2025

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000025558
DateOct 2, 2025
Instrument2525558
Lender
NameZOOM HOME LENDING LLC
TypeFunding / Finance Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueNov 1, 2055
Interest
Rate TypeFixed Rate
Rate5.63%

February 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWINNEBAGO IL
Recording DateFeb 27, 2024
Property Address3645 LAKESHORE DR, WINNEBAGO, IL 61088-8627
Document Number0000004150
Map ReferenceBK44 PG99B
Instrument DateFeb 10, 2024
Instrument2404150
Transaction TypeTransfer
Record UpdatedMar 13, 2024
Title CompanyTULSA ABSTRACT AND TITLE COMPANY, TUA

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$375.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address3645 LAKESHORE DR, WINNEBAGO, IL 61088-8627

Mortgage

Document Number0000004151
DateFeb 27, 2024
Instrument2404151
Lender
NameUSAA FSB
TypeBank
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueMar 1, 2054

Tax Assessment & Valuation

Source: Winnebago County assessment roll, as of July 28, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyWinnebago County
County SubdivisionPecatonica Township
Unified School DistrictPecatonica Community Unit School District 321 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,304.00$91,175 (+28.73%) Land $12,523 Building $78,652$273,525 (+28.73%) Land $37,569 Building $235,956
2022Homeowner's exemption$70,825 Land $9,885 Building $60,940$212,475 Land $29,655 Building $182,820

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 July 12, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 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 RiskNot 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 SystemIL AMERICAN-WESTLAKE
private · serves 1,493 people · EPA ID IL2010070
Water SourceGroundwater
Last State InspectionFeb 2025
Lead1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 177 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20

May also be available: AaroBand.

Cell Coverage

5G (outdoors only) and 4G LTE

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