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438 Roberts Rd, Winthrop Harbor, IL 60096 Property Records

Lake County property record for 438 Roberts Rd, Winthrop Harbor, IL 60096

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,388 sqft · built 1998
Lot Size0.403 acres (17,550 sqft)
Owner2 Individual Names on File
Last Sale$230,000 (Apr 1999)
Tax Bill$7,905 (2024)
Deeds & MortgagesDec 2023 Transfer
Sep 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN04-04-301-023

Property Details

APN / Parcel Number

Primary APN04-04-301-023

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures13 Plumbing Fixtures
Stories2 Stories
Building Area2,388 sqft Living Area
Gross Area4,392 sqft
1st Floor Area1,260 sqft
2nd Floor Area1,128 sqft
Upper Floors Area1,128 sqft
Basement Area1,260 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1998
Effective Year BuiltEffective 1998
Architectural StyleConventional
Exterior MaterialWood Siding
Construction TypeFrame
Roof MaterialFiberglass
Lot Area17,550 sqft (0.403 acres)
Garage TypeAttached
Garage Area744 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area105 sqft
Deck Area300 sqft
Patio Area300 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address438 ROBERTS RD
CityWINTHROP HARBOR
StateIL
Zip60096-1084
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCOVENANT COVE PHASE ONE; LOT 49
Legal SubdivisionCOVENANT COVE PHASE ONE
Legal Phase1
Legal Lot Number49
JurisdictionLAKE IL
Township / Civil DivisionBENTON
Census Block Group3
Census Block3021
Census Tract860103

Owner

438 Roberts Rd is owned and occupied by two individuals who acquired it in December 2023.

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

Owner of Record2 Individual Names on File
Mailing Address438 ROBERTS RD, WINTHROP HARBOR, IL 60096-1084
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Dec 19, 2023Transfer on Death Deed, Transfer
Sep 18, 2017Deed of Trust, Mortgage · Conventional Mortgage
BAXTER CU

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 15, 1999 · Amount on File
Deed SaleApr 15, 1999 · Amount on File
Deed Document Number19994338307
Last Transfer DateDec 4, 2023
Transfer Doc0008011104
Record UpdatedSep 20, 2026

December 2023: Transfer on Death Deed, Transfer

Document TypeTransfer on Death Deed
JurisdictionLAKE IL
Recording DateDec 19, 2023
Property Address438 ROBERTS RD, WINTHROP HARBOR, IL 60096-1084
Document Number0008011104
Map ReferenceDOC 2888717
Instrument DateDec 4, 2023
Instrument8011104
Transaction TypeTransfer
Record UpdatedDec 29, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address438 ROBERTS RD, WINTHROP HARBOR, IL 60096-1084

September 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE IL
Property Address438 ROBERTS RD, WINTHROP HARBOR, IL 60096-1084
Document Number0007430372
Instrument DateSep 18, 2017
Transaction TypeMortgage
Record UpdatedOct 6, 2017
Title CompanyMORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
Address438 ROBERTS RD WINTHROP HARBOR IL 600961084, WINTHROP HARBOR, IL 60096-1084

Mortgage

Document Number0007430372
DateSep 26, 2017
Instrument7430372
Lender
NameBAXTER CU
TypeCredit Union
AddressVERNON HILLS, IL 60061
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueSep 25, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyLake County
County SubdivisionBenton Township
MunicipalityWinthrop Harbor Village
Elementary School DistrictWinthrop Harbor School District 1 (PK - 08)
Secondary School DistrictZion-Benton Township High School District 126 (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$121,920 Land $11,329 Building $110,591$365,796 Land $33,990 Building $331,806
2024$7,905.00 (-13.49%)
2023$9,138.00 (-7.87%)$103,415 (+9.43%) Land $9,979 Building $93,436$310,276 (+9.43%) Land $29,940 Building $280,336
2022$9,919.00$94,504 Land $9,750 Building $84,754$283,540 Land $29,253 Building $254,287

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 438 Roberts Rd 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force
Nearby Flood Claims1 (1986)
Most Recent ClaimSep 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 438 Roberts 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 RiskLow
lower than 98% of the US · lower than 86% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemWINTHROP HARBOR
serves 6,565 people · EPA ID IL0971950
Water SourcePurchased surface water from LAKE COUNTY PUBLIC WATER DISTRICT
Last State InspectionApr 2025
Lead5 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting16
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 199 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

May also be available: AT&T.

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