43 River Oaks Cir E, Buffalo Grove, IL 60089 Property Records

Lake County property record for 43 River Oaks Cir E, Buffalo Grove, IL 60089 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 3,698 sqft · built 2001
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$565,500 (Apr 2002)
Tax Bill	$23,455 (2024)
Deeds & Mortgages	Jul 2026 Line of Credit Sep 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`15-16-207-028`

Property Details

APN / Parcel Number

Primary APN	`15-16-207-028`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,698 sqft Living Area
Gross Area	6,278 sqft
1st Floor Area	1,929 sqft
Upper Floors Area	1,769 sqft
Basement Area	1,929 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Attached
Garage Area	651 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	43 RIVER OAKS CIR E
City	BUFFALO GROVE
State	IL
Zip	60089-8804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER OAKS SUBDIVISION; LOT 21
Legal Subdivision	RIVER OAKS SUBDIVISION
Legal Lot Number	21
Jurisdiction	LAKE IL
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1018
Census Tract	864514

Owner

Source: Lake County records · APN 15-16-207-028

Assessment roll updated April 29, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	43 RIVER OAKS CIR E, BUFFALO GROVE, IL 60089-8804
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Sep 08, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Mar 31, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jul 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
May 02, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 09, 2002 · Amount on Record
Deed Sale	Apr 09, 2002 · Amount on Record
Deed Document Number	20024900022
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Recording Date	Jul 22, 2026
Property Address	43 RIVER OAKS CIR E, BUFFALO GROVE, IL 60089-8804
Document Number	0008183111
Instrument Date	Jul 14, 2026
Instrument	20268183111
Transaction Type	Mortgage
Record Updated	Aug 03, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 RIVER OAKS CIR E, BUFFALO GROVE, IL 60089-8804

Mortgage

Document Number	0008183111,
Date	Jul 22, 2026
Instrument	20268183111

Lender

Name	BANK OF AMERICA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2056

Interest

Rate	6.47%
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	43 RIVER OAKS CIR E, BUFFALO GROVE, IL 60089-8804
Transaction Type	Mortgage
Record Updated	Oct 22, 2025
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008119926
Date	Sep 08, 2025
Instrument	8119926

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 21, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	43 RIVER OAKS CIR E, BUFFALO GROVE, IL 60089-8804
Transaction Type	Mortgage
Record Updated	Apr 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007966246
Date	Mar 31, 2023
Instrument	7966246

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 09, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	43 RIVER OAKS CIR E, BUFFALO GROVE, IL 60089-8804
Transaction Type	Mortgage
Record Updated	Sep 01, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007807829
Date	Jul 13, 2021
Instrument	7807829

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Type Change Date	Jul 01, 2026
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.25%
Index	Other
Max Rate	7.25%

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IL
Recording Date	May 02, 2017
Property Address	43 RIVER OAKS CIR E, BUFFALO GROVE, IL 60089-8804
Document Number	0007391175
Instrument Date	Jul 19, 2016
Instrument	7391175
Transaction Type	Transfer
Record Updated	May 22, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	21 RIVER OAKS CIR E BUFFALO GROVE IL 600898804, BUFFALO GROVE, IL 60089-8804

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated April 29, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Illinois
Municipality	Buffalo Grove Village
County	Lake County
County Subdivision	Vernon Township
Elementary School District	Lincolnshire-Prairieview School District 103 (KG - 08)
Secondary School District	Adlai E. Stevenson High School District 125 (09 - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$287,086 (+14.67%) Land $61,443 Building $225,643	$861,344 (+14.67%) Land $184,347 Building $676,997
2024	$23,455.00 (+10.24%)
2023	$21,277.00 (+3.62%)	$250,353 (+7.42%) Land $53,581 Building $196,772	$751,134 (+7.42%) Land $160,759 Building $590,375
2022	$20,534.00	$233,066 Land $49,881 Building $183,185	$699,268 Land $149,658 Building $549,610

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lake County (17097C), updated February 20, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170978645141, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	3 (1993–2019)
Claims Outside the SFHA	1 of 3
Most Recent Claim	May 2019, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 151 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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