429 Cavin Ave, Winthrop Harbor, IL 60096 Property Records

Lake County property record for 429 Cavin Ave, Winthrop Harbor, IL 60096

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,380 sqft · built 1989
Lot Size	0.285 acres (12,406 sqft)
Owner	2 Individual Names on File
Last Sale	$198,000 (Nov 2019)
Tax Bill	$8,874 (2024)
Deeds & Mortgages	Oct 2023 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-04-426-012`

Property Details

APN / Parcel Number

Primary APN	`04-04-426-012`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,380 sqft Living Area
Gross Area	3,288 sqft
1st Floor Area	1,380 sqft
Basement Area	1,380 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Fiberglass
Lot Area	12,406 sqft (0.285 acres)
Lot Dimensions	132 ft deep x 94 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	429 CAVIN AVE
City	WINTHROP HARBOR
State	IL
Zip	60096-1160
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	F H BARTLETTS NORTH SHORE ACRES 1ST ADD; S94.5 N283.5 W1/2 OF BLK28 BLOCK 28
Legal Subdivision	F H BARTLETTS NORTH SHORE ACRES 1ST ADD
Legal Block	28
Jurisdiction	LAKE IL
Township / Civil Division	BENTON
Census Block Group	3
Census Block	3032
Census Tract	860103

Owner

429 Cavin Ave is owned and occupied by two individuals who bought it in November 2019.

Source: Lake County records, as of August 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	429 CAVIN AVE, WINTHROP HARBOR, IL 60096-1160
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
Oct 27, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 7, 2019	Warranty Deed, Transfer · FHA Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2019 · Amount on File
Deed Sale	Nov 7, 2019 · Amount on File
Prior Sale	Nov 11, 2008 · Amount on File
Deed Document Number	20197607403
Prior Transfer Date	Sep 2, 1993
Prior Transfer Doc	0003398833
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	429 CAVIN AVE, WINTHROP HARBOR, IL 60096-1160
Transaction Type	Mortgage
Record Updated	Nov 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	429 CAVIN AVE, WINTHROP HARBOR, IL 60096-1160
Investor	Possibly a Property Investor

Mortgage

Document Number	0008003244
Date	Oct 27, 2023
Instrument	8003244

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	314 Months
Due	Dec 1, 2049

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Nov 7, 2019
Property Address	429 CAVIN AVE, WINTHROP HARBOR, IL 60096-1160
Document Number	0007607403
Instrument Date	Oct 29, 2019
Instrument	7607403
Transaction Type	Transfer
Record Updated	Nov 21, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$297.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11357 W LELAND AVE BEACH PARK IL 600993444, BEACH PARK, IL 60099-3444

Mortgage

Document Number	7607404
Date	Nov 7, 2019
Instrument	7607404

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 6, 2049

Interest

Rate Type	Fixed Rate
Rate	3.62%

Tax Assessment & Valuation

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$105,359 Land $9,592 Building $95,767	$316,109 Land $28,779 Building $287,330
2024	$8,874.00 (+12.84%)
2023	$7,864.00 (+12.79%)	$82,658 (+6.16%) Land $8,449 Building $74,209	$247,999 (+6.16%) Land $25,350 Building $222,649
2022	$6,972.00	$77,863 Land $8,233 Building $69,630	$233,612 Land $24,701 Building $208,911

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 429 Cavin Ave 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

Wildfire risk around 429 Cavin 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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 329 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

May also be available: AT&T.

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