Lake County property record for 435 Thorne Ln, Lake Forest, IL 60045
| Property Type | Single Family Home |
|---|---|
| Details | 6 ba · 10,850 sqft · built 2009 |
| Lot Size | 1.28 acres (55,757 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $3,900,000 (Feb 2022) |
| Tax Bill | $67,477 (2024) |
| Deeds & Mortgages | Feb 2022 Sale Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-34-101-023 |
| Primary APN | 12-34-101-023 |
|---|
| Full Baths | 6 Baths |
|---|---|
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 10,850 sqft Living Area |
| Gross Area | 11,789 sqft |
| 1st Floor Area | 4,197 sqft |
| Upper Floors Area | 2,899 sqft |
| Basement Area | 4,693 sqft |
| Finished Basement | 3,754 sqft |
| Unfinished Basement | 939 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Custom Design |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Metal |
| Lot Area | 55,757 sqft (1.28 acres) |
| Garage Area | 529 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 565 sqft |
| Deck Area | Deck Area |
| Patio Area | 102 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 435 THORNE LN |
|---|---|
| City | LAKE FOREST |
| State | IL |
| Zip | 60045-2343 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | R.J.THORNES SUB;ALL LT5 & TH PT LT4 DAF,BEG AT S COR LT4,NE1 40.35 MOL TO PNT WHIS 38N&32.25E OF AN ANGLE PT ON S LN L T4,E ALG LN // TO&38N OF S LN 315.23 MOL TO E LN,SW42.67 |
| Legal Subdivision | R.J.THORNES SUB |
| Legal Lot Number | 5,4 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | SHIELDS |
| Census Block Group | 2 |
| Census Block | 2013 |
| 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.
435 Thorne Ln is owner-occupied and held in a trust since February 2022.
Source: Lake County records, as of July 31, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 435 THORNE LN, LAKE FOREST, IL 60045-2343 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
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 |
|---|---|
| Feb 10, 2022 | Warranty Deed, Transfer FIRST AMERICAN TITLE |
| Aug 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE |
| Apr 10, 2020 | Deed of Trust, Mortgage NORTHERN TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 10, 2022 · Amount on File |
| Deed Sale | Feb 10, 2022 · Amount on File |
| Prior Sale | Jan 13, 1999 · Amount on File |
| Deed Document Number | 20227872842 |
| Prior Transfer Date | Sep 10, 1998 |
| Prior Transfer Doc | 0004216548 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Feb 10, 2022 |
| Property Address | 435 THORNE LN, LAKE FOREST, IL 60045-2343 |
| Document Number | 0007872842 |
| Map Reference | DOC 600268 |
| Instrument Date | Jan 6, 2022 |
| Instrument | 7872842 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $3,900.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 435 THORNE LN, LAKE FOREST, IL 60045-2343 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 435 THORNE LN, LAKE FOREST, IL 60045-2343 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0007814644 |
|---|---|
| Date | Aug 3, 2021 |
| Instrument | 7814644 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | DES PLAINES, IL 60018 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jul 1, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 435 THORNE LN, LAKE FOREST, IL 60045-2343 |
| Document Number | 0007652892 |
| Instrument Date | Apr 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2020 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 435 THORNE LN LAKE FOREST IL 600452343, LAKE FOREST, IL 60045-2343 |
| Document Number | 0007652892 |
|---|---|
| Date | May 4, 2020 |
| Instrument | 7652892 |
| Name | NORTHERN TR |
|---|---|
| Address | 50 S LA SALLE ST, CHICAGO, IL 60603-1008 |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | May 3, 2030 |
| Rate | 4.12% |
|---|
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 | $1,261,987 Land $357,867 Building $904,120 | $3,786,339 Land $1,073,708 Building $2,712,631 | |
| 2024 | $67,477.00 (+10.47%) | ||
| 2023 | $61,083.00 (+2.86%) | $1,026,989 (+0.92%) Land $291,227 Building $735,762 | $3,081,275 (+0.92%) Land $873,768 Building $2,207,507 |
| 2022 | $59,386.00 | $1,017,627 Land $288,572 Building $729,055 | $3,053,187 Land $865,803 Building $2,187,384 |
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 435 Thorne Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1990.
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 | 7 in force |
| Nearby Flood Claims | 1 (1990) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 1990 · rainfall accumulation |
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 risk around 435 Thorne Ln 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.
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 122 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 · Fiber in parts of the area | 100 / 20 |
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