451 Cross Rd, Gurnee, IL 60031 Property Records

Lake County property record for 451 Cross Rd, Gurnee, IL 60031

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,464 sqft · built 1990
Lot Size	0.216 acres (9,426 sqft)
Owner	2 Individual Names on File
Last Sale	$319,000 (May 2020)
Tax Bill	$11,969 (2024)
Deeds & Mortgages	May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-26-104-034`

Property Details

APN / Parcel Number

Primary APN	`07-26-104-034`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,464 sqft Living Area
Gross Area	4,011 sqft
1st Floor Area	1,043 sqft
2nd Floor Area	1,421 sqft
Upper Floors Area	1,446 sqft
Basement Area	1,043 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,426 sqft (0.216 acres)
Lot Dimensions	142 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Patio Area	230 sqft
Gazebo	143 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	451 CROSS RD
City	GURNEE
State	IL
Zip	60031-3248
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROVIDENCE VILLAGE PHASE II; LOT 181
Legal Subdivision	PROVIDENCE VILLAGE PHASE II
Legal Phase	2
Legal Lot Number	181
Jurisdiction	LAKE IL
Township / Civil Division	WARREN
Census Block Group	1
Census Block	1012
Census Tract	861509

Owner

451 Cross Rd is owned and occupied by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	451 CROSS RD, GURNEE, IL 60031-3248
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2020 · Amount on File
Deed Sale	May 6, 2020 · Amount on File
Prior Sale	May 28, 2009 · Amount on File
Deed Document Number	20207653760
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	May 6, 2020
Property Address	451 CROSS RD, GURNEE, IL 60031-3248
Document Number	0007653760
Map Reference	DOC 2739439
Instrument Date	Mar 19, 2020
Instrument	7653760
Transaction Type	Transfer
Record Updated	Mar 17, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$319.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 CROSS RD, GURNEE, IL 60031-3248

Mortgage

Document Number	0007653761
Date	May 6, 2020
Instrument	7653761

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Interest

Rate	3.62%

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
Secondary School District	Warren Township High School District 121 (09 - 12)
Elementary School District	Woodland Community Consolidated School District 50 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$146,987 Land $23,181 Building $123,806	$441,005 Land $69,550 Building $371,455
2024	$11,969.00 (-3.04%)
2023	$12,344.00 (+10.52%)	$121,305 (-7.12%) Land $19,131 Building $102,174	$363,952 (-7.12%) Land $57,399 Building $306,553
2022	$11,169.00	$130,603 Land $16,727 Building $113,876	$391,848 Land $50,186 Building $341,662

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 451 Cross Rd in Zone X, an area of minimal flood risk.

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	3 in force

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 451 Cross 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 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.

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 375 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	100 / 20

May also be available: E-vergent.

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