4580 Providence Rd, Gurnee, IL 60031 Property Records

Lake County property record for 4580 Providence Rd, Gurnee, IL 60031

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,209 sqft · built 1989
Lot Size	0.187 acres (8,146 sqft)
Owner	2 Individual Names on File
Last Sale	$446,000 (Oct 2023)
Tax Bill	$11,069 (2024)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-26-104-054`

Property Details

APN / Parcel Number

Primary APN	`07-26-104-054`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,209 sqft Living Area
Gross Area	3,779 sqft
1st Floor Area	1,048 sqft
2nd Floor Area	1,161 sqft
Upper Floors Area	1,160 sqft
Basement Area	1,024 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	Wood Shingle
Lot Area	8,146 sqft (0.187 acres)
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4580 PROVIDENCE RD
City	GURNEE
State	IL
Zip	60031-3224
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROVIDENCE VILLAGE PHASE II; LT 162 LOT 162
Legal Subdivision	PROVIDENCE VILLAGE PHASE II
Legal Phase	2
Legal Lot Number	162
Jurisdiction	LAKE IL
Township / Civil Division	WARREN
Census Block Group	1
Census Block	1012
Census Tract	861509

Owner

4580 Providence Rd is owned and occupied by two individuals who bought it in October 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	4580 PROVIDENCE RD, GURNEE, IL 60031-3224
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Oct 16, 2025	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST CU
Oct 10, 2023	Warranty Deed, Transfer · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2023 · Amount on File
Deed Sale	Oct 10, 2023 · Amount on File
Prior Sale	May 30, 1997 · Amount on File
Deed Document Number	20238000218
Prior Transfer Date	May 9, 2003
Prior Transfer Doc	0005258577
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	4580 PROVIDENCE RD, GURNEE, IL 60031-3224
Transaction Type	Mortgage
Record Updated	Nov 4, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4580 PROVIDENCE RD, GURNEE, IL 60031-3224

Mortgage

Document Number	0008128372
Date	Oct 16, 2025
Instrument	8128372

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2040

Interest

Rate Type	Fixed Rate
Rate	5%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Oct 10, 2023
Property Address	4580 PROVIDENCE RD, GURNEE, IL 60031-3224
Document Number	0008000218
Map Reference	DOC 2739439
Instrument Date	Sep 20, 2023
Instrument	8000218
Transaction Type	Transfer
Record Updated	Oct 19, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$446.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4580 PROVIDENCE RD, GURNEE, IL 60031-3224

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4580 PROVIDENCE RD, GURNEE, IL 60031-3224

Mortgage

Document Number	0008000219
Date	Oct 10, 2023
Instrument	8000219

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.37%

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		$136,590 Land $20,035 Building $116,555	$409,811 Land $60,111 Building $349,700
2024	$11,069.00 (+5.49%)
2023	$10,493.00 (+10.56%)	$112,725 (+0.72%) Land $16,535 Building $96,190	$338,209 (+0.72%) Land $49,610 Building $288,599
2022	$9,491.00	$111,918 Land $14,456 Building $97,462	$335,787 Land $43,372 Building $292,415

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 4580 Providence 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 4580 Providence Rd is low, with 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 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	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 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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