Lake County property record for 4209 Jay Dr, Zion, IL 60099
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,964 sqft · built 2002 |
| Lot Size | 0.213 acres (9,261 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $230,000 (Jun 2021) |
| Tax Bill | $9,132 (2024) |
| Deeds & Mortgages | Dec 2025 Line of Credit Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-07-311-019 |
| Primary APN | 04-07-311-019 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,964 sqft Living Area |
| Gross Area | 3,524 sqft |
| 1st Floor Area | 1,098 sqft |
| 2nd Floor Area | 866 sqft |
| Upper Floors Area | 866 sqft |
| Basement Area | 1,098 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 9,261 sqft (0.213 acres) |
| Lot Dimensions | 129 ft deep x 68 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 32 sqft |
| Deck Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 4209 JAY DR |
|---|---|
| City | ZION |
| State | IL |
| Zip | 60099-5418 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COUNTRYWOOD HILLS PHASE 3; LOT 126 |
| Legal Subdivision | COUNTRYWOOD HILLS PHASE 3 |
| Legal Phase | 3 |
| Legal Lot Number | 126 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | ZION |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 860106 |
Source: Lake County records, as of April 29, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4209 JAY DR, ZION, IL 60099-5418 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Dec 5, 2025 | Deed of Trust, Mortgage · Line of Credit UPSTART MORTGAGE LLC |
| Jun 7, 2021 | Warranty Deed, Transfer · FHA Mortgage LEADER ONE FINANCIAL CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 7, 2021 · Amount on Record |
| Deed Sale | Jun 7, 2021 · Amount on Record |
| Prior Sale | Apr 3, 2013 · Amount on Record |
| Deed Document Number | 20217796253 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 4209 JAY DR, ZION, IL 60099-5418 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4209 JAY DR, ZION, IL 60099-5418 |
| Document Number | 0008138190 |
|---|---|
| Date | Dec 5, 2025 |
| Instrument | 8138190 |
| Name | UPSTART MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAN MATEO, CA 94403 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Nov 28, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Jun 7, 2021 |
| Property Address | 4209 JAY DR, ZION, IL 60099-5418 |
| Document Number | 0007796253 |
| Map Reference | DOC 4511557 |
| Instrument Date | May 21, 2021 |
| Instrument | 7796253 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2021 |
| Title Company | CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $230.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 4209 JAY DR, ZION, IL 60099-5418 |
| Document Number | 0007796254 |
|---|---|
| Date | Jun 7, 2021 |
| Instrument | 7796254 |
| Name | LEADER ONE FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Address | OVERLAND PARK, KS 66210 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
Source: Lake County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Lake County |
| County Subdivision | Zion Township |
| Municipality | Zion City |
| Elementary School District | Beach Park Community Consolidated School District 3 (PK - 08) |
| Secondary School District | Zion-Benton Township High School District 126 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $93,926 (+23.32%) Land $10,808 Building $83,118 | $281,806 (+23.32%) Land $32,427 Building $249,379 | |
| 2024 | $9,132.00 (-1.87%) | ||
| 2023 | $9,306.00 (+3.25%) | $76,164 (-1.5%) Land $8,764 Building $67,400 | $228,515 (-1.5%) Land $26,295 Building $202,220 |
| 2022 | $9,013.00 | $77,324 Land $7,173 Building $70,151 | $231,995 Land $21,521 Building $210,474 |
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.
Source: FEMA National Flood Hazard Layer, effective February 20, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | ZION serves 24,442 people · EPA ID IL0972000 |
|---|---|
| Water Source | Purchased surface water from LAKE COUNTY PUBLIC WATER DISTRICT |
| Last State Inspection | Aug 2025 |
| Lead | 11 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 416 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 |
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