Lake County property record for 39 Oak Ter, Lake Bluff, IL 60044
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 6,332 sqft · built 2016 |
| Lot Size | 0.458 acres (19,950 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,775,000 (May 2023) |
| Tax Bill | $39,696 (2025) |
| Deeds & Mortgages | Jun 2026 Transfer May 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-21-306-007 |
| Primary APN | 12-21-306-007 |
|---|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 6,332 sqft Living Area |
| Gross Area | 7,645 sqft |
| 1st Floor Area | 2,693 sqft |
| Upper Floors Area | 1,717 sqft |
| Basement Area | 2,563 sqft |
| Finished Basement | 1,922 sqft |
| Unfinished Basement | 641 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Conventional |
| Exterior Material | Wood Shingle |
| Construction Type | Frame |
| Roof Material | Wood Shingle |
| Lot Area | 19,950 sqft (0.458 acres) |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 204 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 39 OAK TER |
|---|---|
| City | LAKE BLUFF |
| State | IL |
| Zip | 60044-2715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VILLAGE OF LAKE BLUFF RAVINE FOREST LOT 19 |
| Legal Subdivision | VILLAGE OF LAKE BLUFF RAVINE FOREST |
| Legal Lot Number | 19 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | SHIELDS |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 863300 |
Source: Lake County records, as of July 7, 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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 39 OAK TER, LAKE BLUFF, IL 60044-2715 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 18, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| May 22, 2023 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Oct 28, 2020 | Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| May 3, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 22, 2023 · Amount on Record |
| Deed Sale | May 22, 2023 · Amount on Record |
| Prior Sale | Oct 28, 2020 · Amount on Record |
| Deed Document Number | 20237974312 |
| Prior Transfer Date | Apr 20, 2018 |
| Prior Transfer Doc | 0007480780 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Jun 18, 2026 |
| Property Address | 39 OAK TER, LAKE BLUFF, IL 60044-2715 |
| Document Number | 0008176502 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 20268176502 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | May 22, 2023 |
| Property Address | 39 OAK TER, LAKE BLUFF, IL 60044-2715 |
| Document Number | 0007974312 |
| Map Reference | DOC 223346 |
| Instrument Date | May 4, 2023 |
| Instrument | 7974312 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2023 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,775.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 39 OAK TER, LAKE BLUFF, IL 60044-2715 |
| Document Number | 0007974313 |
|---|---|
| Date | May 22, 2023 |
| Instrument | 7974313 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | Jun 1, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.5% |
| Index | Other |
| Max Rate | 10.5% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Oct 28, 2020 |
| Property Address | 39 OAK TER, LAKE BLUFF, IL 60044-2715 |
| Document Number | 0007709708 |
| Instrument Date | Sep 28, 2020 |
| Instrument | 7709708 |
| Transaction Type | Transfer |
| Record Updated | Dec 1, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,363.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 628 E PALACE AVE SANTA FE NM 875012228, SANTA FE, NM 87501-2228 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | May 3, 2018 |
| Property Address | 39 OAK TER, LAKE BLUFF, IL 60044-2715 |
| Document Number | 0007480780 |
| Instrument Date | Apr 20, 2018 |
| Instrument | 7480780 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 39 OAK TER LAKE BLUFF IL 600442715, LAKE BLUFF, IL 60044-2715 |
Source: Lake County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Lake County |
| County Subdivision | Shields Township |
| Municipality | Lake Bluff Village |
| Elementary School District | Lake Bluff Elementary School District 65 (KG - 08) |
| Secondary School District | Lake Forest Community High School District 115 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $39,696.00 (-1.17%) | $614,029 (+8.39%) Land $172,225 Building $441,804 | $1,842,272 (+8.39%) Land $516,727 Building $1,325,545 |
| 2024 | $40,165.00 (+5.31%) | ||
| 2023 | $38,141.00 (+3.65%) | $566,477 (+3.95%) Land $148,510 Building $417,967 | $1,699,601 (+3.95%) Land $445,575 Building $1,254,026 |
| 2022 | $36,799.00 | $544,964 Land $142,870 Building $402,094 | $1,635,056 Land $428,653 Building $1,206,403 |
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.
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 | 3 in force |
| Nearby Flood Claims | 3 (1979–2018) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Jun 2018 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 74% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAKE BLUFF serves 5,600 people · EPA ID IL0970750 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jul 2024 |
| Lead | 5 ppb (2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 291 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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