Lake County property record for 421 Spruce Ave, Lake Forest, IL 60045
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 3,934 sqft · built 2017 |
| Lot Size | 0.185 acres (8,063 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,100,000 (Dec 2016) |
| Tax Bill | $20,509 (2024) |
| Deeds & Mortgages | Sep 2017 Transfer Feb 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-28-204-003 |
| Primary APN | 12-28-204-003 |
|---|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,934 sqft Living Area |
| Gross Area | 4,296 sqft |
| 1st Floor Area | 1,448 sqft |
| Upper Floors Area | 1,400 sqft |
| Basement Area | 1,448 sqft |
| Finished Basement | 1,086 sqft |
| Unfinished Basement | 362 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 8,063 sqft (0.185 acres) |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 27 sqft |
| Patio Area | 55 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 421 SPRUCE AVE |
|---|---|
| City | LAKE FOREST |
| State | IL |
| Zip | 60045-1354 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CITY OF LAKE FOREST; E 50 FT W 150 FT N 193 .32 FT (EX ST) L OT 8 |
| Legal Subdivision | CITY OF LAKE FOREST |
| Legal Lot Number | 8 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | SHIELDS |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 863400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Lake Forest Historic District listed 1978 · 590 contributing resources · NRIS 78001161 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
421 Spruce Ave is owned and occupied by two individuals who acquired it in July 2017.
Source: Lake County records, as of April 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 421 SPRUCE AVE, LAKE FOREST, IL 60045-1354 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Borrower in Default |
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 12, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Feb 23, 2017 | Deed of Trust, Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 2, 2016 · Amount on File |
| Deed Sale | Dec 2, 2016 · Amount on File |
| Prior Sale | Jul 16, 2015 · Amount on File |
| Deed Document Number | 20167352321 |
| Last Transfer Date | Jul 31, 2017 |
| Transfer Doc | 0007426735 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Sep 12, 2017 |
| Property Address | 421 SPRUCE AVE, LAKE FOREST, IL 60045-1354 |
| Document Number | 0007426735 |
| Instrument Date | Jul 31, 2017 |
| Instrument | 7426735 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 421 SPRUCE AVE LAKE FOREST IL 600451354, LAKE FOREST, IL 60045-1354 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 421 SPRUCE AVE, LAKE FOREST, IL 60045-1354 |
| Document Number | 0007376253 |
| Instrument Date | Feb 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 27, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 421 SPRUCE AVE LAKE FOREST IL 600451354, LAKE FOREST, IL 60045-1354 |
| Document Number | 0007376253 |
|---|---|
| Date | Mar 1, 2017 |
| Instrument | 7376253 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Feb 28, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
Source: Lake County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Lake County |
| County Subdivision | Shields Township |
| Municipality | Lake Forest City |
| Elementary School District | Lake Forest School District 67 (PK - 08) |
| Secondary School District | Lake Forest Community High School District 115 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $382,474 Land $93,351 Building $289,123 | $1,147,537 Land $280,081 Building $867,456 | |
| 2024 | $20,509.00 (+10.18%) | ||
| 2023 | $18,614.00 (+2.87%) | $317,181 (+0.92%) Land $77,415 Building $239,766 | $951,638 (+0.92%) Land $232,268 Building $719,370 |
| 2022 | $18,095.00 | $314,289 Land $76,709 Building $237,580 | $942,961 Land $230,150 Building $712,811 |
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 421 Spruce Ave 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 7 (15% premium discount) |
| Nearby Flood Policies | 6 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.
The area around 421 Spruce Ave has no burnable land within ember reach, so its wildfire risk is not rated.
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 | LAKE FOREST serves 19,642 people · EPA ID IL0970800 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 21 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 266 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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