Lake County property record for 4191 Charles Ave, Gurnee, IL 60031
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,816 sqft · built 1993 |
| Lot Size | 0.433 acres (18,866 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $173,000 (Mar 1996) |
| Tax Bill | $12,052 (2025) |
| Deeds & Mortgages | May 2026 Sale Mar 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-23-417-022 |
| Primary APN | 07-23-417-022 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,816 sqft Living Area |
| Gross Area | 4,116 sqft |
| 1st Floor Area | 1,816 sqft |
| Basement Area | 1,816 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 18,866 sqft (0.433 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 36 sqft |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4191 CHARLES AVE |
|---|---|
| City | GURNEE |
| State | IL |
| Zip | 60031-3314 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CEISELS RESUB; LT1 & PT VAC PAUL AV LYG WLY & ADJ SD LT PER DOC 3828286 |
| Legal Subdivision | CEISELS RESUB |
| Legal Lot Number | 1 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | WARREN |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 861510 |
4191 Charles Ave is owner-occupied and held in a trust since May 1996.
Source: Lake County records, as of June 30, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 4194 CHARLES AVE, GURNEE, IL 60031-3315 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Living Trust |
| Date | Document |
|---|---|
| May 19, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Mar 21, 2024 | Deed of Trust, Mortgage · Line of Credit BAXTER CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 20, 1996 · Amount on File |
| Deed Sale | Mar 20, 1996 · Amount on File |
| Deed Document Number | 19963799607 |
| Last Transfer Date | May 30, 1996 |
| Transfer Doc | 0003830674 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | May 19, 2026 |
| Property Address | 4191 CHARLES AVE, GURNEE, IL 60031-3314 |
| Document Number | 0008170001 |
| Instrument Date | May 18, 2026 |
| Instrument | 20268170001 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 4191 CHARLES AVE, GURNEE, IL 60031-3314 |
| Transaction Type | Mortgage |
| Record Updated | Apr 5, 2024 |
| Title Company | NOT AVAILABLE, MIS |
| Name | Verified Name |
|---|
| Document Number | 0008025493 |
|---|---|
| Date | Mar 21, 2024 |
| Instrument | 8025493 |
| Name | BAXTER CU |
|---|---|
| Type | Credit Union |
| Address | 340 N MILWAUKEE AVE, VERNON HILLS, IL 60061 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Mar 30, 2029 |
| Change Frequency | Monthly |
|---|
The 2025 property tax bill for 4191 Charles Ave was $12,052 with exemptions applied, up 3.7% from the year before.
Source: Lake County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Lake County |
| County Subdivision | Warren Township |
| Municipality | Gurnee Village |
| Elementary School District | Gurnee School District 56 (PK - 08) |
| Secondary School District | Warren Township High School District 121 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,052.00 (+3.74%) | $147,570 Land $21,334 Building $126,236 | $442,754 Land $64,008 Building $378,746 |
| 2024 | $11,618.00 (+10.73%) | ||
| 2023 | $10,492.00 (+15.79%) | $121,775 (+10.3%) Land $17,605 Building $104,170 | $365,361 (+10.3%) Land $52,820 Building $312,541 |
| 2022 | $9,061.00 | $110,406 Land $18,462 Building $91,944 | $331,252 Land $55,392 Building $275,860 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4191 Charles Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.
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 | 2 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Jul 2017 · river or lake 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 4191 Charles Ave 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 93% of the US · above 42% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
| E-vergent Fixed Wireless | 100 / 20 |
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