441 Cavin Ave, Winthrop Harbor, IL 60096 Property Records

Lake County property record for 441 Cavin Ave, Winthrop Harbor, IL 60096

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,868 sqft · built 1989
Lot Size	0.287 acres (12,497 sqft)
Owner	Individual Name on File
Last Sale	$208,000 (Nov 2003)
Tax Bill	$9,459 (2024)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-04-426-015`

Property Details

APN / Parcel Number

Primary APN	`04-04-426-015`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	2 Stories
Building Area	1,868 sqft Living Area
Gross Area	3,132 sqft
1st Floor Area	1,088 sqft
2nd Floor Area	780 sqft
Upper Floors Area	780 sqft
Basement Area	780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Fiberglass
Lot Area	12,497 sqft (0.287 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Patio Area	744 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	441 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; N94.5 S1/2 W1/2 B LK 28 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

441 Cavin Ave is owned and occupied by an individual who acquired it in August 2018.

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

Owner of Record	Individual Name on File
Mailing Address	441 CAVIN AVE, WINTHROP HARBOR, IL 60096-1160
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Aug 31, 2018	Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE AFFINITY LLC
Sep 10, 2018	Quit Claim Deed, Transfer BURNET TITLE-POST CLOSING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2003 · Amount on File
Deed Sale	Nov 18, 2003 · Amount on File
Prior Sale	Sep 30, 1993 · Amount on File
Deed Document Number	20035435486
Last Transfer Date	Aug 8, 2018
Transfer Doc	0007511561
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	441 CAVIN AVE, WINTHROP HARBOR, IL 60096-1160
Transaction Type	Mortgage
Record Updated	Sep 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007814938
Date	Aug 4, 2021
Instrument	7814938

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.87%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	441 CAVIN AVE, WINTHROP HARBOR, IL 60096-1160
Document Number	0007511562
Instrument Date	Aug 31, 2018
Transaction Type	Mortgage
Record Updated	Oct 8, 2018
Title Company	BURNET TITLE-POST CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 CAVIN AVE WINTHROP HARBOR IL 600961160, WINTHROP HARBOR, IL 60096-1160

Mortgage

Document Number	0007511562
Date	Sep 10, 2018
Instrument	7511562

Lender

Name	GUARANTEED RATE AFFINITY LLC
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2048

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IL
Recording Date	Sep 10, 2018
Property Address	441 CAVIN AVE, WINTHROP HARBOR, IL 60096-1160
Document Number	0007511561
Instrument Date	Aug 8, 2018
Instrument	7511561
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	BURNET TITLE-POST CLOSING

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 CAVIN AVE WINTHROP HARBOR IL 600961160, WINTHROP HARBOR, IL 60096-1160

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		$111,721 Land $9,663 Building $102,058	$335,197 Land $28,992 Building $306,205
2024	$9,459.00 (+20.3%)
2023	$7,863.00 (-2.31%)	$88,980 (+14.29%) Land $8,511 Building $80,469	$266,967 (+14.29%) Land $25,536 Building $241,431
2022	$8,049.00	$77,852 Land $8,293 Building $69,559	$233,579 Land $24,881 Building $208,698

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 441 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 441 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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