4584 Covenant Ct, Gurnee, IL 60031 Property Records

Lake County property record for 4584 Covenant Ct, Gurnee, IL 60031

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,048 sqft · built 1988
Lot Size	0.188 acres (8,198 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (May 2019)
Tax Bill	$9,775 (2024)
Deeds & Mortgages	May 2021 Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-26-104-019`

Property Details

APN / Parcel Number

Primary APN	`07-26-104-019`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,048 sqft Living Area
Gross Area	3,534 sqft
1st Floor Area	1,024 sqft
2nd Floor Area	1,024 sqft
Upper Floors Area	1,024 sqft
Basement Area	1,024 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	8,198 sqft (0.188 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Patio Area	450 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4584 COVENANT CT
City	GURNEE
State	IL
Zip	60031-3200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROVIDENCE VILLAGE SUB PHASE I; LOT 203
Legal Subdivision	PROVIDENCE VILLAGE SUB PHASE I
Legal Phase	2
Legal Lot Number	203
Jurisdiction	LAKE IL
Township / Civil Division	WARREN
Census Block Group	1
Census Block	1012
Census Tract	861509

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 Individual Names on Record
Mailing Address	4584 COVENANT CT, GURNEE, IL 60031-3200
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
May 22, 2019	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2019 · Amount on Record
Deed Sale	May 22, 2019 · Amount on Record
Prior Sale	May 12, 2008 · Amount on Record
Deed Document Number	20197563523
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	4584 COVENANT CT, GURNEE, IL 60031-3200
Transaction Type	Mortgage
Record Updated	Jul 1, 2021
Title Company	PRECISION TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007786954
Date	May 12, 2021
Instrument	7786954

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.37%

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	May 22, 2019
Property Address	4584 COVENANT CT, GURNEE, IL 60031-3200
Document Number	0007563523
Map Reference	DOC 2664311
Instrument Date	May 14, 2011
Instrument	7563523
Transaction Type	Transfer
Record Updated	Mar 17, 2022
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4584 COVENANT CT, GURNEE, IL 60031-3200

Mortgage

Document Number	0007563524
Date	May 22, 2019
Instrument	7563524

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.25%

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		$121,648 (+21.17%) Land $20,158 Building $101,490	$364,980 (+21.17%) Land $60,480 Building $304,500
2024	$9,775.00 (-3.79%)
2023	$10,160.00 (+10.55%)	$100,394 (-7.52%) Land $16,636 Building $83,758	$301,212 (-7.52%) Land $49,913 Building $251,299
2022	$9,190.00	$108,563 Land $14,545 Building $94,018	$325,721 Land $43,639 Building $282,082

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
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

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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