Lake County property record for 407 Capital Ln, Gurnee, IL 60031
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 2,663 sqft · built 1996 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $429,000 (May 2021) |
| Tax Bill | $13,870 (2024) |
| Deeds & Mortgages | May 2021 Sale & Mortgage Mar 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-20-102-039 |
| Primary APN | 07-20-102-039 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,663 sqft Living Area |
| Gross Area | 4,665 sqft |
| 1st Floor Area | 1,331 sqft |
| 2nd Floor Area | 1,332 sqft |
| Upper Floors Area | 1,332 sqft |
| Basement Area | 1,331 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 13,939 sqft (0.32 acres) |
| Garage Type | Attached |
| Garage Area | 671 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 407 CAPITAL LN |
|---|---|
| City | GURNEE |
| State | IL |
| Zip | 60031-4496 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WASHINGTON PARK SUBDIVISION; LOT 22 |
| Legal Subdivision | WASHINGTON PARK SUBDIVISION |
| Legal Lot Number | 22 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | WARREN |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 861611 |
407 Capital Ln is owned and occupied by two individuals who bought it in May 2021.
Source: Lake County records, as of April 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 407 CAPITAL LN, GURNEE, IL 60031-4496 |
| 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.
| Date | Document |
|---|---|
| May 18, 2021 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Mar 28, 2018 | Deed of Trust, Mortgage · Line of Credit CONSUMERS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 18, 2021 · Amount on File |
| Deed Sale | May 18, 2021 · Amount on File |
| Prior Sale | Sep 18, 2007 · Amount on File |
| Deed Document Number | 20217789126 |
| Prior Transfer Date | Jul 28, 2010 |
| Prior Transfer Doc | 0006630409 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | May 18, 2021 |
| Property Address | 407 CAPITAL LN, GURNEE, IL 60031-4496 |
| Document Number | 0007789126 |
| Map Reference | DOC 3596056 |
| Instrument Date | Apr 21, 2021 |
| Instrument | 7789126 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $429.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 407 CAPITAL LN, GURNEE, IL 60031-4496 |
| Document Number | 0007789127 |
|---|---|
| Date | May 18, 2021 |
| Instrument | 7789127 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 407 CAPITAL LN, GURNEE, IL 60031-4496 |
| Document Number | 0007473854 |
| Instrument Date | Mar 28, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2018 |
| Name | Verified Name |
|---|---|
| Address | 407 CAPITAL LN GURNEE IL 600314496, GURNEE, IL 60031-4496 |
| Document Number | 0007473854 |
|---|---|
| Date | Apr 4, 2018 |
| Instrument | 7473854 |
| Name | CONSUMERS CU |
|---|---|
| Type | Credit Union |
| Address | GURNEE, IL 60031-1811 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 3, 2028 |
| Rate Type | Adjustable Rate |
|---|
Source: Lake County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Lake County |
| County Subdivision | Warren Township |
| Municipality | Gurnee Village |
| Secondary School District | Warren Township High School District 121 (09 - 12) |
| Elementary School District | Woodland Community Consolidated School District 50 (PK - 08) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $174,067 Land $35,665 Building $138,402 | $522,254 Land $107,006 Building $415,248 | |
| 2024 | $13,870.00 (+35.9%) | ||
| 2023 | $10,206.00 (+4.41%) | $145,798 (+31.7%) Land $29,873 Building $115,925 | $437,438 (+31.7%) Land $89,628 Building $347,810 |
| 2022 | $9,775.00 | $110,707 Land $29,881 Building $80,826 | $332,154 Land $89,652 Building $242,502 |
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.
FEMA maps place 407 Capital Ln in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 3 in force |
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 risk around 407 Capital Ln 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GURNEE serves 30,193 people · EPA ID IL0970350 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 261 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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