Lake County property record for 409 Roberts Rd, Winthrop Harbor, IL 60096
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,392 sqft · built 1991 |
| Lot Size | 0.428 acres (18,639 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $200,000 (Dec 1996) |
| Tax Bill | $9,241 (2024) |
| Deeds & Mortgages | Sep 2025 Transfer Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-04-303-007 |
| Primary APN | 04-04-303-007 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,392 sqft Living Area |
| Gross Area | 4,479 sqft |
| 1st Floor Area | 1,193 sqft |
| 2nd Floor Area | 1,199 sqft |
| Upper Floors Area | 1,066 sqft |
| Basement Area | 1,193 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Fiberglass |
| Lot Area | 18,639 sqft (0.428 acres) |
| Garage Type | Attached |
| Garage Area | 894 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 161 sqft |
| Deck Area | 416 sqft |
| Patio Area | 416 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 409 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 67 |
| Legal Subdivision | COVENANT COVE PHASE ONE |
| Legal Phase | 1 |
| Legal Lot Number | 67 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | BENTON |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 860103 |
409 Roberts Rd is owner-occupied and held in a trust since August 2025.
Source: Lake County records, as of April 29, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 409 ROBERTS RD, WINTHROP HARBOR, IL 60096-2006 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 |
|---|---|
| Sep 16, 2025 | Intrafamily Transfer, Transfer |
| Oct 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 5, 1996 · Amount on File |
| Deed Sale | Dec 5, 1996 · Amount on File |
| Deed Document Number | 19963907963 |
| Last Transfer Date | Aug 27, 2025 |
| Transfer Doc | 0008121152 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Sep 16, 2025 |
| Property Address | 409 ROBERTS RD, WINTHROP HARBOR, IL 60096-2006 |
| Document Number | 0008121152 |
| Map Reference | DOC 2888717 |
| Instrument Date | Aug 27, 2025 |
| Instrument | 8121152 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 409 ROBERTS RD, WINTHROP HARBOR, IL 60096-2006 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 409 ROBERTS RD, WINTHROP HARBOR, IL 60096-2006 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2021 |
| Title Company | GREATER ILLINOIS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0007834386 |
|---|---|
| Date | Oct 14, 2021 |
| Instrument | 7834386 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60639 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 297 Months |
| Due | Jul 1, 2046 |
Source: Lake County assessment roll, as of April 29, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $118,116 (+9.6%) Land $11,672 Building $106,444 | $354,384 (+9.6%) Land $35,020 Building $319,364 | |
| 2024 | $9,241.00 (-1.29%) | $107,770 (+7.57%) Land $10,650 Building $97,120 | $323,342 (+7.57%) Land $31,953 Building $291,389 |
| 2023 | $9,362.00 (-2.35%) | $100,188 (+9.44%) Land $10,281 Building $89,907 | $300,594 (+9.44%) Land $30,846 Building $269,748 |
| 2022 | $9,587.00 | $91,549 Land $10,069 Building $81,480 | $274,674 Land $30,210 Building $244,464 |
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 409 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 risk around 409 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.
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 |
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.
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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