38156 N Watts Ave, Spring Grove, IL 60081 Property Records

Lake County property record for 38156 N Watts Ave, Spring Grove, IL 60081

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,020 sqft · built 1960
Lot Size	0.413 acres (17,999 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Apr 2021)
Tax Bill	$4,211 (2024)
Deeds & Mortgages	Sep 2025 Mortgage Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-33-322-056`

Property Details

APN / Parcel Number

Primary APN	`01-33-322-056`
Alternative APN	`0133322028`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,020 sqft Living Area
1st Floor Area	1,020 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	17,999 sqft (0.413 acres)
Lot Dimensions	360 ft deep x 50 ft wide
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	38156 N WATTS AVE
City	SPRING GROVE
State	IL
Zip	60081-9327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOX LAKE VISTA UNIT # 1; LOTS 6, 7 & 40 BLOCK 27
Legal Subdivision	FOX LAKE VISTA UNIT # 1
Legal Block	27
Legal Lot Number	6-7
Legal Unit	1
Jurisdiction	LAKE IL
Township / Civil Division	ANTIOCH
Census Block Group	2
Census Block	2017
Census Tract	860807

Owner

Source: Lake County records · APN 01-33-322-056

Assessment roll updated April 29, 2026 · Last verified May 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 File
Mailing Address	38156 N WATTS AVE, SPRING GROVE, IL 60081-9327
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2025	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Apr 12, 2021	Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP
Sep 21, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Feb 04, 2019	Warranty Deed, Transfer · Line of Credit CONSUMERS COOPERATIVE CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 12, 2021 · Amount on Record
Deed Sale	Apr 12, 2021 · Amount on Record
Prior Sale	Feb 04, 2019 · Amount on Record
Deed Document Number	20217774836
Prior Transfer Date	Aug 27, 2020
Prior Transfer Doc	0007696530
Record Updated	Jun 08, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	38156 N WATTS AVE, SPRING GROVE, IL 60081-9327
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38156 N WATTS AVE, SPRING GROVE, IL 60081-9327

Mortgage

Document Number	0008121768
Date	Sep 18, 2025
Instrument	8121768

Lender

Name	US BANK NA
Type	Bank
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	307 Months
Due	Apr 01, 2051

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE IL
Recording Date	Apr 12, 2021
Property Address	38156 N WATTS AVE, SPRING GROVE, IL 60081-9327
Document Number	0007774836
Map Reference	DOC 311410
Instrument Date	Mar 29, 2021
Instrument	7774836
Transaction Type	Transfer
Record Updated	Aug 05, 2022
Title Company	MANT TITLE AGENCY, GMT TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38156 N WATTS AVE, SPRING GROVE, IL 60081-9327

Mortgage

Document Number	0007774837
Date	Apr 12, 2021
Instrument	7774837

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2051

Interest

Rate Type	Fixed Rate
Rate	3.37%

Mortgage

Document Number	0007774838
Date	Apr 12, 2021
Instrument	7774838

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IL
Recording Date	Sep 21, 2020
Property Address	38156 N WATTS AVE, SPRING GROVE, IL 60081-9327
Document Number	0007696530
Instrument Date	Aug 27, 2020
Instrument	7696530
Transaction Type	Transfer
Record Updated	Oct 13, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	107 ARTHUR AVE FOX LAKE IL 600201319, FOX LAKE, IL 60020-1319

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Feb 04, 2019
Property Address	38156 N WATTS AVE, SPRING GROVE, IL 60081-9327
Document Number	0007540830
Instrument Date	Jan 23, 2019
Instrument	7540830
Transaction Type	Transfer
Record Updated	Feb 25, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$90.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 ARTHUR AVE FOX LAKE IL 600201319, FOX LAKE, IL 60020-1319

Mortgage

Document Number	7540831
Date	Feb 04, 2019
Instrument	7540831

Lender

Name	CONSUMERS COOPERATIVE CU
Type	Credit Union
Address	GURNEE, IL 60031

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.75%

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated April 29, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Antioch Township
Elementary School District	Fox Lake Grade School District 114 (PK - 08)
Secondary School District	Grant Community High School District 124 (09 - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$60,970 (+20.63%) Land $7,392 Building $53,578	$182,928 (+20.63%) Land $22,178 Building $160,750
2024	$4,211.00 (+17.56%)
2023	$3,582.00 (+4.1%)	$50,545 (+16.94%) Land $6,128 Building $44,417	$151,650 (+16.94%) Land $18,386 Building $133,264
2022	$3,441.00	$43,224 Land $4,451 Building $38,773	$129,685 Land $13,354 Building $116,331

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 20, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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
Flood Insurance Cost	Premium on Record median of 20 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	28 (1979–2026)
Claims Outside the SFHA	4 of 28
Most Recent Claim	Apr 2026 · river or lake flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, May 2013 · 7 claims Severe Storms And Flooding, Jun 2008 · 4 claims Severe Storms & Flooding, Apr 1993 · 4 claims

Wildfire

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 at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

Based on FCC filings for 106 locations within half a mile of this property.

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