401 High St, Wauconda, IL 60084 Property Records

Lake County property record for 401 High St, Wauconda, IL 60084

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,135 sqft · built 1988
Lot Size	0.193 acres (8,425 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Jun 2015)
Tax Bill	$8,855 (2024)
Deeds & Mortgages	Oct 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-25-307-119`

Property Details

APN / Parcel Number

Primary APN	`09-25-307-119`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,135 sqft Living Area
Gross Area	3,675 sqft
1st Floor Area	1,099 sqft
2nd Floor Area	1,036 sqft
Upper Floors Area	1,036 sqft
Basement Area	1,099 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,425 sqft (0.193 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	18 sqft
Deck Area	486 sqft
Patio Area	464 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	401 HIGH ST
City	WAUCONDA
State	IL
Zip	60084-2902
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE RIDGE SUB LT 26 LOT 26
Legal Subdivision	LAKE RIDGE SUB
Legal Lot Number	26
Jurisdiction	LAKE IL
Township / Civil Division	WAUCONDA
Census Block Group	2
Census Block	2012
Census Tract	864206

Owner

401 High St is owned and occupied by two individuals who bought it in June 2015.

Source: Lake County records, as of April 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	401 HIGH ST, WAUCONDA, IL 60084-2902
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2015 · Amount on File
Deed Sale	Jun 29, 2015 · Amount on File
Deed Document Number	20157207700
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	401 HIGH ST, WAUCONDA, IL 60084-2902
Transaction Type	Mortgage
Record Updated	Oct 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 HIGH ST, WAUCONDA, IL 60084-2902

Mortgage

Document Number	0007999307
Date	Oct 4, 2023
Instrument	7999307

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Sep 29, 2053

Interest

Rate Type	Adjustable Rate
Rate	9.14%
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Wauconda Township
Municipality	Wauconda Village
Unified School District	Wauconda Community Unit School District 118 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$114,799 Land $21,302 Building $93,497	$344,431 Land $63,912 Building $280,519
2024	$8,855.00 (-9.74%)
2023	$9,811.00 (+4.73%)	$98,299 (+2.48%) Land $18,240 Building $80,059	$294,926 (+2.48%) Land $54,725 Building $240,201
2022	$9,368.00	$95,921 Land $16,194 Building $79,727	$287,792 Land $48,587 Building $239,205

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

FEMA maps place 401 High St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1985.

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 Claims	1 (1985)
Most Recent Claim	Feb 1985 · tidal / storm surge

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.

Wildfire

Wildfire risk around 401 High St is low, with less than a 0.01% annual chance of 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	WAUCONDA serves 15,349 people · EPA ID IL0971850
Water Source	Purchased surface water from CENTRAL LAKE COUNTY JAWA
Last State Inspection	Mar 2026
Lead	10 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	1 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 176 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