Lake County property record for 401 E Prospect Ave, Lake Bluff, IL 60044
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 3,100 sqft · built 1927 |
| Lot Size | 0.194 acres (8,455 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,300,000 (Aug 2025) |
| Tax Bill | $22,983 (2024) |
| Deeds & Mortgages | Jun 2026 Line of Credit Apr 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-21-222-001 |
| Primary APN | 12-21-222-001 |
|---|
| Full Baths | 4 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 3,100 sqft Living Area |
| Gross Area | 4,602 sqft |
| 1st Floor Area | 1,598 sqft |
| Upper Floors Area | 1,502 sqft |
| Basement Area | 1,502 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 8,455 sqft (0.194 acres) |
| Garage Type | Detached |
| Garage Area | 420 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 252 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Street Address | 401 E PROSPECT AVE |
|---|---|
| City | LAKE BLUFF |
| State | IL |
| Zip | 60044-2523 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VILLAGE OF LAKE BLUFF VLIETS CONSOLIDATION LOT 1 BLOCK 10 |
| Legal Subdivision | VILLAGE OF LAKE BLUFF VLIETS CONSOLIDATI |
| Legal Block | 10 |
| Legal Lot Number | 1 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | SHIELDS |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 863300 |
Source: Lake County records, as of June 12, 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 | 401 E PROSPECT AVE, LAKE BLUFF, IL 60044-2523 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 2, 2026 | Deed of Trust, Mortgage · Line of Credit MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION |
| Apr 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GOLD COAST BANK |
| Nov 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2025 · Amount on Record |
| Deed Sale | Aug 6, 2025 · Amount on Record |
| Prior Sale | Aug 14, 2002 · Amount on Record |
| Deed Document Number | 20258113131 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Jun 2, 2026 |
| Property Address | 401 E PROSPECT AVE, LAKE BLUFF, IL 60044-2523 |
| Document Number | 0008172843 |
| Instrument Date | May 26, 2026 |
| Instrument | 20268172843 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 401 E PROSPECT AVE, LAKE BLUFF, IL 60044-2523 |
| Document Number | 0008172843, |
|---|---|
| Date | Jun 2, 2026 |
| Instrument | 20268172843 |
| Name | MICHIGAN STATE UNIVERSITY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | May 26, 2051 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Apr 20, 2026 |
| Property Address | 401 E PROSPECT AVE, LAKE BLUFF, IL 60044-2523 |
| Document Number | 0008164173 |
| Instrument Date | Apr 3, 2026 |
| Instrument | 20268164173 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 401 E PROSPECT AVE, LAKE BLUFF, IL 60044-2523 |
| Document Number | 0008164173, |
|---|---|
| Date | Apr 20, 2026 |
| Instrument | 20268164173 |
| Name | GOLD COAST BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.88% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 401 E PROSPECT AVE, LAKE BLUFF, IL 60044-2523 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CITYWIDE TITLE CORPORATION |
| Name | Verified Name |
|---|
| Document Number | 0007713987 |
|---|---|
| Date | Nov 9, 2020 |
| Instrument | 7713987 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Type Change Date | Oct 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 5.25% |
| Index | 1-Year LIBOR |
| Max Rate | 8.25% |
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 | $372,653 (+14.48%) Land $133,797 Building $238,856 | $1,118,071 (+14.48%) Land $401,431 Building $716,640 | |
| 2024 | $22,983.00 (+7.87%) | ||
| 2023 | $21,306.00 (+3.62%) | $325,511 (+5.97%) Land $102,886 Building $222,625 | $976,631 (+5.97%) Land $308,689 Building $667,942 |
| 2022 | $20,562.00 | $307,184 Land $97,093 Building $210,091 | $921,644 Land $291,308 Building $630,336 |
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 98% of the US · lower than 86% 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 303 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 Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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