3689 Lakeshore Dr, Winnebago, IL 61088 Property Records

Winnebago County property record for 3689 Lakeshore Dr, Winnebago, IL 61088

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,152 sqft · built 2006
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Sep 2024)
Tax Bill	$6,353 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-25-478-001`

Property Details

APN / Parcel Number

Primary APN	`09-25-478-001`
Alternative APN	`925478001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,152 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	675 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3689 LAKESHORE DR
City	WINNEBAGO
State	IL
Zip	61088-8627
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PCD
Legal Description	WESTLAKE VILLAGE NO 4 PT SE1/4 SEC 25-27-10 & PT SW1/4 SEC 30-27-11 LOT 334
Legal Range	10
Legal Township	27
Legal Section	25
Legal Subdivision	WESTLAKE VILLAGE NO 4
Legal Lot Number	334
Jurisdiction	WINNEBAGO IL
Township / Civil Division	PECATONICA
Census Block Group	4
Census Block	4026
Census Tract	4300

Owner

3689 Lakeshore Dr is owned and occupied by two individuals who bought it in September 2024.

Source: Winnebago County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3689 LAKESHORE DR, WINNEBAGO, IL 61088-8627
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
Dec 23, 2025	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE
Apr 9, 2020	Deed of Trust, Mortgage · Conventional with PMI MIDLAND STATES BK
Jul 27, 2018	Warranty Deed, Transfer · Conventional with PMI MIDLAND STATES BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2024 · Amount on File
Deed Sale	Sep 9, 2024 · Amount on File
Prior Sale	Jul 27, 2018 · Amount on File
Deed Document Number	202421505
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	3689 LAKESHORE DR, WINNEBAGO, IL 61088-8627
Transaction Type	Mortgage
Record Updated	Jan 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000033368
Date	Dec 23, 2025
Instrument	2533368

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.13%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	3689 LAKESHORE DR, WINNEBAGO, IL 61088-8627
Document Number	0001009794
Instrument Date	Apr 9, 2020
Transaction Type	Mortgage
Record Updated	Jun 2, 2020
Title Company	TITLE UNDERWRITERS AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3689 LAKESHORE DR WINNEBAGO IL 610888627, WINNEBAGO, IL 61088-8627

Mortgage

Document Number	0001009794
Date	Apr 15, 2020
Instrument	1009794

Lender

Name	MIDLAND STATES BK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 14, 2050

Interest

Rate Type	Fixed Rate
Rate	3.12%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jul 27, 2018
Property Address	3689 LAKESHORE DR, WINNEBAGO, IL 61088-8627
Document Number	0001021364
Instrument Date	Jul 26, 2018
Instrument	1021364
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	ALLIANCE TITLE COMPANY, ALLIANCE TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$268.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3689 LAKESHORE DR WINNEBAGO IL 610888627, WINNEBAGO, IL 61088-8627

Mortgage

Document Number	1021365
Date	Jul 27, 2018
Instrument	1021365

Lender

Name	MIDLAND STATES BK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 26, 2048

Interest

Rate Type	Fixed Rate
Rate	4.62%

Tax Assessment & Valuation

The 2025 property tax bill for 3689 Lakeshore Dr was $6,353.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Winnebago County
County Subdivision	Pecatonica Township
Unified School District	Pecatonica Community Unit School District 321 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,353.00	$96,043 Land $12,523 Building $83,520	$288,129 Land $37,569 Building $250,560
2022	Homeowner's exemption	$66,349 Land $9,885 Building $56,464	$199,047 Land $29,655 Building $169,392

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 3689 Lakeshore Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 12, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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

The area around 3689 Lakeshore Dr 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	IL AMERICAN-WESTLAKE private · serves 1,493 people · EPA ID IL2010070
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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

Provider	Max 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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