427 Cross Rd, Gurnee, IL 60031 Property Records

Lake County property record for 427 Cross Rd, Gurnee, IL 60031

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,306 sqft · built 1990
Lot Size	0.194 acres (8,464 sqft)
Owner	2 Individual Names on File
Last Sale	$319,500 (Jan 2018)
Tax Bill	$11,027 (2024)
Deeds & Mortgages	Apr 2021 Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-26-104-032`

Property Details

APN / Parcel Number

Primary APN	`07-26-104-032`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,306 sqft Living Area
Gross Area	3,914 sqft
1st Floor Area	1,088 sqft
2nd Floor Area	1,218 sqft
Upper Floors Area	1,218 sqft
Basement Area	1,088 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	8,464 sqft (0.194 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	427 CROSS RD
City	GURNEE
State	IL
Zip	60031-3248
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROVIDENCE VILLAGE PHASE II; LT 183
Legal Subdivision	PROVIDENCE VILLAGE PHASE II
Legal Phase	2
Legal Lot Number	183
Jurisdiction	LAKE IL
Township / Civil Division	WARREN
Census Block Group	1
Census Block	1012
Census Tract	861509

Owner

427 Cross Rd is owned and occupied by two individuals who bought it in January 2018.

Source: Lake County records, as of April 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	427 CROSS RD, GURNEE, IL 60031-3248
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Jan 25, 2018	Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2018 · Amount on File
Deed Sale	Jan 25, 2018 · Amount on File
Prior Sale	Apr 4, 2011 · Amount on File
Deed Document Number	20187460185
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	427 CROSS RD, GURNEE, IL 60031-3248
Transaction Type	Mortgage
Record Updated	May 19, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007771283
Date	Apr 1, 2021
Instrument	7771283

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.75%

January 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE IL
Recording Date	Jan 25, 2018
Property Address	427 CROSS RD, GURNEE, IL 60031-3248
Document Number	0007460185
Map Reference	DOC2739439
Instrument Date	Dec 29, 2017
Instrument	7460185
Transaction Type	Transfer
Record Updated	Mar 17, 2022
Title Company	PETRA TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$319.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10258 S WESTERN AVE, 10258, CHICAGO, IL 60643-1948

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	427 CROSS RD, GURNEE, IL 60031-3248

Mortgage

Document Number	0007460186
Date	Jan 25, 2018
Instrument	7460186

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

Interest

Rate Type	Fixed Rate
Rate	5%

Tax Assessment & Valuation

Source: Lake County assessment roll, as of April 29, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$136,110 Land $20,815 Building $115,295	$408,371 Land $62,451 Building $345,920
2024	$11,027.00 (-3.85%)
2023	$11,469.00 (+10.53%)	$112,328 (-7.76%) Land $17,178 Building $95,150	$337,018 (-7.76%) Land $51,539 Building $285,479
2022	$10,376.00	$121,773 Land $15,019 Building $106,754	$365,356 Land $45,062 Building $320,294

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.

Flood

FEMA maps place 427 Cross Rd 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

Wildfire risk around 427 Cross 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 97% of the US · lower than 79% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 375 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 DSL	100 / 20

May also be available: E-vergent.

Nearby Properties on Cross Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures