4381 Elm Rd, Gurnee, IL 60031 Property Records

Lake County property record for 4381 Elm Rd, Gurnee, IL 60031

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,610 sqft · built 1939
Lot Size	0.885 acres (38,529 sqft)
Owner	2 Trust Names on Record
Tax Bill	$7,316 (2024)
Deeds & Mortgages	Mar 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-23-415-022`

Property Details

APN / Parcel Number

Primary APN	`07-23-415-022`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,610 sqft Living Area
Gross Area	2,890 sqft
1st Floor Area	1,532 sqft
2nd Floor Area	78 sqft
Upper Floors Area	94 sqft
Attic	Attic
Attic Area	480 sqft
Basement Area	800 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	38,529 sqft (0.885 acres)
Garage Type	Detached
Garage Area	1,268 sqft
Parking Spaces	5 Parking Spaces
Porch	Enclosed Porch
Porch Area	252 sqft
Patio Area	524 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4381 ELM RD
City	GURNEE
State	IL
Zip	60031-3392
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VISTA DEL DES PLAINES LT 18 (EX BEG AT SE COR W 100 TO SW C OR N ALG W LN 255.1 ELY 114.5 TO A PNT ON E LN 231.55 N O F POB SLY ALG ELY LN 231.55 TO POB)
Legal Subdivision	BEG AT SE COR
Legal Lot Number	18
Jurisdiction	LAKE IL
Township / Civil Division	WARREN
Census Block Group	3
Census Block	3005
Census Tract	861510

Owner

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

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

Owner of Record	2 Trust Names on Record
Mailing Address	4381 ELM RD, GURNEE, IL 60031-3392
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 19, 2005
Transfer Doc	0005742865
Record Updated	Jun 8, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	4381 ELM RD, GURNEE, IL 60031-3392
Document Number	0007475578
Instrument Date	Mar 24, 2018
Transaction Type	Mortgage
Record Updated	Apr 26, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4381 ELM RD GURNEE IL 600313392, GURNEE, IL 60031-3392

Mortgage

Document Number	0007475578
Date	Apr 10, 2018
Instrument	7475578

Lender

Name	COMMUNITY TR CU
Type	Credit Union
Address	GURNEE, IL 60031

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 9, 2043

Interest

Rate Type	Adjustable Rate

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
Elementary School District	Gurnee School District 56 (PK - 08)
Secondary School District	Warren Township High School District 121 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$104,140 (+21%) Land $24,677 Building $79,463	$312,451 (+21%) Land $74,038 Building $238,413
2024	$7,316.00 (+14.44%)
2023	$6,393.00 (+19.72%)	$86,066 (+15.33%) Land $20,394 Building $65,672	$258,224 (+15.33%) Land $61,188 Building $197,036
2022	$5,340.00	$74,623 Land $21,795 Building $52,828	$223,892 Land $65,392 Building $158,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	2 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Jul 2017 · river or lake 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 199 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 Fixed Wireless · DSL	100 / 20
E-vergent Fixed Wireless	100 / 20