45 Trowbridge Cir, Lake Bluff, IL 60044 Property Records

Lake County property record for 45 Trowbridge Cir, Lake Bluff, IL 60044

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,215 sqft · built 1985
Lot Size	0.541 acres (23,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$735,000 (Aug 2026)
Tax Bill	$17,223 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-17-407-004`

Property Details

APN / Parcel Number

Primary APN	`12-17-407-004`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,215 sqft Living Area
Gross Area	4,470 sqft
1st Floor Area	2,215 sqft
Basement Area	1,661 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	23,583 sqft (0.541 acres)
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	45 TROWBRIDGE CIR
City	LAKE BLUFF
State	IL
Zip	60044-1928
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TANGLEY OAKS UNIT IV SUB; LOT 171
Legal Subdivision	TANGLEY OAKS UNIT IV SUB
Legal Lot Number	171
Legal Unit	4
Jurisdiction	LAKE IL
Township / Civil Division	SHIELDS
Census Block Group	4
Census Block	4011
Census Tract	863202

Owner

Source: Lake County records, as of September 14, 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 Record
Mailing Address	1117 DAWES ST, LIBERTYVILLE, IL 60048-3507
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2026 · Amount on Record
Deed Sale	Aug 31, 2026 · Amount on Record
Prior Sale	Dec 7, 2010 · Amount on Record
Deed Document Number	20268192158
Prior Transfer Date	Nov 20, 2008
Prior Transfer Doc	0006445571
Record Updated	Oct 29, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE IL
Recording Date	Aug 31, 2026
Property Address	45 TROWBRIDGE CIR, LAKE BLUFF, IL 60044-1928
Document Number	0008192158
Instrument Date	Aug 4, 2026
Instrument	20268192158
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$111,352.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1117 DAWES ST, LIBERTYVILLE, IL 60048-3507

Mortgage

Document Number	0008192159,
Date	Aug 31, 2026
Instrument	20268192159

Lender

Name	ORIGINPOINT LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.75%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Shields Township
Municipality	Lake Bluff Village
Elementary School District	Lake Bluff Elementary School District 65 (KG - 08)
Secondary School District	Lake Forest Community High School District 115 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$17,223.00 (+1.75%)	$262,942 (+15.97%) Land $105,362 Building $157,580	$788,905 (+15.97%) Land $316,118 Building $472,787
2024	$16,927.00 (+6.51%)
2023	$15,893.00 (+3.6%)	$226,735 (+0.92%) Land $90,854 Building $135,881	$680,273 (+0.92%) Land $272,589 Building $407,684
2022	$15,341.00	$224,668 Land $90,026 Building $134,642	$674,071 Land $270,105 Building $403,966

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

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	2 in force
Nearby Flood Claims	5 (2007–2017)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Jul 2017 · 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

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	LAKE BLUFF serves 5,600 people · EPA ID IL0970750
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2024
Lead	5 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 279 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
AT&T DSL	100 / 20