401 Roberts Rd, Winthrop Harbor, IL 60096 Property Records

Lake County property record for 401 Roberts Rd, Winthrop Harbor, IL 60096

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,623 sqft · built 1991
Lot Size	0.346 acres (15,080 sqft)
Owner	2 Individual Names on File
Last Sale	$409,500 (Dec 2024)
Tax Bill	$9,293 (2024)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-04-303-006`

Property Details

APN / Parcel Number

Primary APN	`04-04-303-006`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,623 sqft Living Area
Gross Area	2,976 sqft
1st Floor Area	1,553 sqft
2nd Floor Area	70 sqft
Upper Floors Area	70 sqft
Basement Area	777 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Tri-Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Fiberglass
Lot Area	15,080 sqft (0.346 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	401 ROBERTS RD
City	WINTHROP HARBOR
State	IL
Zip	60096-2006
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COVENANT COVE PHASE ONE; LOT 68
Legal Subdivision	COVENANT COVE PHASE ONE
Legal Phase	1
Legal Lot Number	68
Jurisdiction	LAKE IL
Township / Civil Division	BENTON
Census Block Group	3
Census Block	3019
Census Tract	860103

Owner

401 Roberts Rd is owned by two individuals who bought it in December 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	4817 S ZUNIS AVE, TULSA, OK 74105-8760
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

Date	Document
Dec 10, 2021	Intrafamily Transfer, Transfer · VA Mortgage QUICKEN LOANS LLC
Dec 10, 2021	Intrafamily Transfer, Transfer
Jan 11, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2024 · Amount on File
Deed Sale	Dec 10, 2024 · Amount on File
Prior Sale	Dec 10, 2021
Deed Document Number	20248071628
Prior Transfer Date	Mar 18, 2021
Prior Transfer Doc	0007852910
Record Updated	Sep 20, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE IL
Recording Date	Dec 10, 2021
Property Address	401 ROBERTS RD, WINTHROP HARBOR, IL 60096-2006
Document Number	0007852910
Map Reference	DOC 2888717
Instrument Date	Mar 18, 2021
Instrument	7852910
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	AMROCK INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	401 ROBERTS RD, WINTHROP HARBOR, IL 60096-2006

Mortgage

Document Number	0007852911
Date	Dec 10, 2021
Instrument	7852911

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	352 Months
Due	Apr 1, 2051

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE IL
Recording Date	Dec 10, 2021
Property Address	401 ROBERTS RD, WINTHROP HARBOR, IL 60096-2006
Document Number	0007852912
Map Reference	DOC 2888717
Instrument Date	Mar 18, 2021
Instrument	7852912
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	401 ROBERTS RD, WINTHROP HARBOR, IL 60096-2006

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IL
Recording Date	Jan 11, 2021
Property Address	401 ROBERTS RD, WINTHROP HARBOR, IL 60096-2006
Document Number	0007737153
Instrument Date	Dec 17, 2020
Instrument	7737153
Transaction Type	Transfer
Record Updated	Mar 2, 2021
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
Relationship	Tenants by the Entirety
Address	401 ROBERTS RD WINTHROP HARBOR IL 600962006, WINTHROP HARBOR, IL 60096-2006

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Benton Township
Municipality	Winthrop Harbor Village
Elementary School District	Winthrop Harbor School District 1 (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		$128,894 Land $10,552 Building $118,342	$386,721 Land $31,659 Building $355,062
2024	$9,293.00 (-1.32%)
2023	$9,417.00 (+15.46%)	$96,735 (+5.09%) Land $9,294 Building $87,441	$290,234 (+5.09%) Land $27,885 Building $262,349
2022	$8,156.00	$92,052 Land $9,078 Building $82,974	$276,184 Land $27,237 Building $248,947

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 Roberts Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1986.

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	1 (1986)
Most Recent Claim	Sep 1986 · Severe Storms & Flooding

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 Roberts Rd 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WINTHROP HARBOR serves 6,565 people · EPA ID IL0971950
Water Source	Purchased surface water from LAKE COUNTY PUBLIC WATER DISTRICT
Last State Inspection	Apr 2025
Lead	5 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	16 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 199 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

May also be available: AT&T.

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