3908 Sedge St, Zion, IL 60099 Property Records

Lake County property record for 3908 Sedge St, Zion, IL 60099

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,543 sqft · built 2006
Lot Size	0.185 acres (8,050 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Dec 2021)
Tax Bill	$12,364 (2024)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Oct 2019 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-18-106-026`

Property Details

APN / Parcel Number

Primary APN	`04-18-106-026`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,543 sqft Living Area
Gross Area	5,286 sqft
1st Floor Area	1,485 sqft
2nd Floor Area	2,058 sqft
Upper Floors Area	2,058 sqft
Basement Area	1,170 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	573 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	105 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3908 SEDGE ST
City	ZION
State	IL
Zip	60099-9503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STONEBRIDGE CROSSING SUB; LOT 85
Legal Subdivision	STONEBRIDGE CROSSING SUB
Legal Lot Number	85
Jurisdiction	LAKE IL
Township / Civil Division	ZION
Census Block Group	2
Census Block	2010
Census Tract	860106

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	2 Individual Names on Record
Mailing Address	3908 SEDGE ST, ZION, IL 60099-9503
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC
Oct 15, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Mar 6, 2019	Warranty Deed, Transfer · Conventional with PMI CONSUMERS CU
Sep 19, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Sep 19, 2017	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2021 · Amount on Record
Deed Sale	Dec 6, 2021 · Amount on Record
Prior Sale	Mar 6, 2019 · Amount on Record
Deed Document Number	20217851303
Prior Transfer Date	Oct 9, 2019
Prior Transfer Doc	0007600664
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Dec 6, 2021
Property Address	3908 SEDGE ST, ZION, IL 60099-9503
Document Number	0007851303
Map Reference	DOC 5846358
Instrument Date	Oct 22, 2021
Instrument	7851303
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3908 SEDGE ST, ZION, IL 60099-9503

Mortgage

Document Number	0007851304
Date	Dec 6, 2021
Instrument	7851304

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IL
Recording Date	Oct 15, 2019
Property Address	3908 SEDGE ST, ZION, IL 60099-9503
Document Number	0007600664
Instrument Date	Oct 9, 2019
Instrument	7600664
Transaction Type	Transfer
Record Updated	Nov 4, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3908 SEDGE ST ZION IL 600999503, ZION, IL 60099-9503
Investor	Possibly a Property Investor

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Mar 6, 2019
Property Address	3908 SEDGE ST, ZION, IL 60099-9503
Document Number	0007547002
Instrument Date	Feb 27, 2019
Instrument	7547002
Transaction Type	Transfer
Record Updated	Mar 20, 2019
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$297.00
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3908 SEDGE ST ZION IL 600999503, ZION, IL 60099-9503

Mortgage

Document Number	7547003
Date	Mar 6, 2019
Instrument	7547003

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	GURNEE, IL 60031-1811

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2049

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	3908 SEDGE ST, ZION, IL 60099-9503
Document Number	0007432758
Instrument Date	Sep 19, 2017
Transaction Type	Mortgage
Record Updated	Oct 17, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3908 SEDGE ST ZION IL 600999503, ZION, IL 60099-9503

Mortgage

Document Number	0007432758
Date	Oct 4, 2017
Instrument	7432758

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410-8000

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 2047

September 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAKE IL
Property Address	3908 SEDGE ST, ZION, IL 60099-9503
Document Number	0007435520
Instrument Date	Sep 19, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3908 SEDGE ST ZION IL 600999503, ZION, IL 60099-9503

Mortgage

Document Number	0007435520
Date	Oct 17, 2017
Instrument	7435520

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 16, 2047

Interest

Rate	4.25%

Tax Assessment & Valuation

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$124,053 (+23.32%) Land $17,376 Building $106,677	$372,196 (+23.32%) Land $52,133 Building $320,063
2024	$12,364.00 (+5.63%)
2023	$11,705.00 (+1.33%)	$100,595 (+5.1%) Land $14,091 Building $86,504	$301,815 (+5.1%) Land $42,277 Building $259,538
2022	$11,551.00	$95,716 Land $11,588 Building $84,128	$287,176 Land $34,767 Building $252,409

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

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

3908 Sedge St, Zion, IL 60099 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

December 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2019: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

March 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2017: Loan Modification, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Sedge St

Nearby Streets

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