Lake County property record for 3900 Sedge St, Zion, IL 60099
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,200 sqft · built 2006 |
| Lot Size | 0.185 acres (8,050 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $240,000 (Oct 2021) |
| Tax Bill | $11,484 (2024) |
| Deeds & Mortgages | May 2026 Mortgage Apr 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-18-106-030 |
| Primary APN | 04-18-106-030 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 3,200 sqft Living Area |
| Gross Area | 5,000 sqft |
| 1st Floor Area | 1,400 sqft |
| 2nd Floor Area | 1,800 sqft |
| Upper Floors Area | 1,800 sqft |
| Basement Area | 1,400 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Fiberglass |
| Lot Area | 8,050 sqft (0.185 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 130 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 3900 SEDGE ST |
|---|---|
| City | ZION |
| State | IL |
| Zip | 60099-9503 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STONEBRIDGE CROSSING SUB; LOT 81 |
| Legal Subdivision | STONEBRIDGE CROSSING SUB |
| Legal Lot Number | 81 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | ZION |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 860106 |
Source: Lake County records, as of June 10, 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 | 3900 SEDGE ST, ZION, IL 60099-9503 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 27, 2026 | Deed of Trust, Mortgage · FHA Mortgage SERVICELINK |
| Apr 4, 2024 | Deed of Trust, Mortgage PENNYMAC LOAN SERVICES LLC |
| Aug 24, 2023 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 27, 2021 | Warranty Deed, Transfer · FHA Mortgage DIAMOND RESIDENTIAL MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 27, 2021 · Amount on Record |
| Deed Sale | Oct 27, 2021 · Amount on Record |
| Prior Sale | May 16, 2016 · Amount on Record |
| Deed Document Number | 20217838524 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | May 27, 2026 |
| Property Address | 3900 SEDGE ST, ZION, IL 60099-9503 |
| Document Number | 0008171372 |
| Instrument Date | May 1, 2026 |
| Instrument | 20268171372 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3900 SEDGE ST, ZION, IL 60099-9503 |
| Document Number | 0008171372, |
|---|---|
| Date | May 27, 2026 |
| Instrument | 20268171372 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 304 Months |
| Due | Sep 1, 2051 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 3900 SEDGE ST, ZION, IL 60099-9503 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3900 SEDGE ST, ZION, IL 60099-9503 |
| Document Number | 0008027657 |
|---|---|
| Date | Apr 4, 2024 |
| Instrument | 8027657 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | 6101 CONDOR DR # 200, MOORPARK, CA 93021 |
| Amount | Amount Recorded |
|---|---|
| Term | 329 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 3900 SEDGE ST, ZION, IL 60099-9503 |
| Transaction Type | Mortgage |
| Record Updated | Sep 4, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3900 SEDGE ST, ZION, IL 60099-9503 |
| Document Number | 0007991808 |
|---|---|
| Date | Aug 24, 2023 |
| Instrument | 7991808 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Oct 27, 2021 |
| Property Address | 3900 SEDGE ST, ZION, IL 60099-9503 |
| Document Number | 0007838524 |
| Map Reference | DOC 5846358 |
| Instrument Date | Aug 5, 2021 |
| Instrument | 7838524 |
| Transaction Type | Transfer |
| Record Updated | Nov 18, 2021 |
| Title Company | NORTH AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $240.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3900 SEDGE ST, ZION, IL 60099-9503 |
| Document Number | 0007838525 |
|---|---|
| Date | Oct 27, 2021 |
| Instrument | 7838525 |
| Name | DIAMOND RESIDENTIAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
Source: Lake County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Lake County |
| County Subdivision | Zion Township |
| Municipality | Zion 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $115,847 (+23.32%) Land $17,376 Building $98,471 | $347,576 (+23.32%) Land $52,133 Building $295,443 | |
| 2024 | $11,484.00 (+5.85%) | ||
| 2023 | $10,849.00 (+1.37%) | $93,941 (+5.37%) Land $14,091 Building $79,850 | $281,851 (+5.37%) Land $42,277 Building $239,574 |
| 2022 | $10,702.00 | $89,151 Land $11,588 Building $77,563 | $267,479 Land $34,767 Building $232,712 |
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
| 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 |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.8% 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 | ZION serves 24,442 people · EPA ID IL0972000 |
|---|---|
| Water Source | Purchased surface water from LAKE COUNTY PUBLIC WATER DISTRICT |
| Last State Inspection | Aug 2025 |
| Lead | 11 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 416 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 |
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