3801 Pine Ave, Zion, IL 60099 Property Records

Lake County property record for 3801 Pine Ave, Zion, IL 60099

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,840 sqft · built 1990
Lot Size	0.305 acres (13,281 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Mar 2015)
Tax Bill	$9,121 (2024)
Deeds & Mortgages	Nov 2021 Line of Credit Aug 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-32-206-026`

Property Details

APN / Parcel Number

Primary APN	`04-32-206-026`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,840 sqft Living Area
Gross Area	3,368 sqft
1st Floor Area	1,000 sqft
2nd Floor Area	840 sqft
Upper Floors Area	840 sqft
Basement Area	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Asphalt
Lot Area	13,281 sqft (0.305 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	360 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3801 PINE AVE
City	ZION
State	IL
Zip	60099-3439
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEYER & WORTHINGTON S MIDWAY GARDENS LOT 39
Legal Subdivision	MEYER & WORTHINGTON S MIDWAY GARDENS
Legal Lot Number	39
Jurisdiction	LAKE IL
Township / Civil Division	BENTON
Census Block Group	1
Census Block	1026
Census Tract	860400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3801 PINE AVE, ZION, IL 60099-3439
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2021	Deed of Trust, Mortgage · Line of Credit FIRST MIDWEST BANK
Aug 21, 2018	Deed of Trust, Mortgage · Line of Credit FIRST MIDWEST BANK
Oct 15, 2020	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2015 · Amount on Record
Deed Sale	Mar 23, 2015 · Amount on Record
Prior Sale	Apr 16, 2013
Deed Document Number	20157179934
Prior Transfer Date	May 20, 1996
Prior Transfer Doc	0003890028
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	3801 PINE AVE, ZION, IL 60099-3439
Transaction Type	Mortgage
Record Updated	Nov 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3801 PINE AVE, ZION, IL 60099-3439

Mortgage

Document Number	0007839621
Date	Nov 1, 2021
Instrument	7839621

Lender

Name	FIRST MIDWEST BANK
Type	Bank
Address	CHICAGO, IL 60631

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 5, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	3801 PINE AVE, ZION, IL 60099-3439
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007507505
Date	Aug 21, 2018
Instrument	7507505

Lender

Name	FIRST MIDWEST BANK
Type	Bank
Address	CHICAGO, IL 60631

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	357 Months
Due	May 29, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	3801 PINE AVE, ZION, IL 60099-3439
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3801 PINE AVE, ZION, IL 60099-3439

Mortgage

Document Number	0007705055
Date	Oct 15, 2020
Instrument	7705055

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	294 Months
Due	Apr 1, 2045

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Benton Township
Municipality	Waukegan 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		$94,074 (+25.01%) Land $9,909 Building $84,165	$282,250 (+25.01%) Land $29,730 Building $252,520
2024	$9,121.00 (+5.68%)
2023	$8,631.00 (-3.07%)	$75,252 (+2.49%) Land $8,728 Building $66,524	$225,779 (+2.49%) Land $26,187 Building $199,592
2022	$8,904.00	$73,427 Land $8,506 Building $64,921	$220,303 Land $25,521 Building $194,782

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1985)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1985 · river or lake flooding

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	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	BEACH PARK serves 8,710 people · EPA ID IL0970190
Water Source	Purchased surface water from WAUKEGAN
Last State Inspection	Apr 2024
Lead	Under 1 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	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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 340 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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