46 Ernest Ave, Fox Lake, IL 60020 Property Records

Lake County property record for 46 Ernest Ave, Fox Lake, IL 60020

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,600 sqft · built 2003
Lot Size	0.225 acres (9,801 sqft)
Owner	2 Individual Names on File
Last Sale	$189,500 (Sep 2018)
Tax Bill	$7,057 (2024)
Deeds & Mortgages	Apr 2023 Mortgage Jan 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-09-204-030`

Property Details

APN / Parcel Number

Primary APN	`05-09-204-030`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,600 sqft Living Area
Gross Area	2,863 sqft
1st Floor Area	759 sqft
Upper Floors Area	841 sqft
Basement Area	759 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	9,801 sqft (0.225 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	60 sqft
Deck Area	Deck Area
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	46 ERNEST AVE
City	FOX LAKE
State	IL
Zip	60020-1443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAVELKA SUB. LOT 4
Legal Subdivision	HAVELKA SUB.
Legal Lot Number	4
Jurisdiction	LAKE IL
Township / Civil Division	GRANT
Census Block Group	2
Census Block	2000
Census Tract	860903

Owner

46 Ernest Ave is owned and occupied by two individuals who bought it in September 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	46 ERNEST AVE, FOX LAKE, IL 60020-1443
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
Apr 17, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Jan 13, 2022	Deed of Trust, Mortgage · FHA Mortgage DOVENMUEHLE MORTGAGE INC
Apr 11, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 25, 2018	Warranty Deed, Transfer GUARANTEED RATE
Jun 7, 2018	Deed of Trust, Mortgage · Line of Credit CITIBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2018 · Amount on File
Deed Sale	Sep 25, 2018 · Amount on File
Prior Sale	Oct 5, 2015 · Amount on File
Deed Document Number	20187515186
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	46 ERNEST AVE, FOX LAKE, IL 60020-1443
Transaction Type	Mortgage
Record Updated	Apr 26, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 ERNEST AVE, FOX LAKE, IL 60020-1443

Mortgage

Document Number	0007968530
Date	Apr 17, 2023
Instrument	7968530

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	306 Months
Due	Oct 1, 2048

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	46 ERNEST AVE, FOX LAKE, IL 60020-1443
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 ERNEST AVE, FOX LAKE, IL 60020-1443

Mortgage

Document Number	0007861977
Date	Jan 13, 2022
Instrument	7861977

Lender

Name	DOVENMUEHLE MORTGAGE INC
Type	Mortgage Company
Address	DALLAS, TX 75201

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	321 Months
Due	Oct 1, 2048

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	46 ERNEST AVE, FOX LAKE, IL 60020-1443
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 ERNEST AVE, FOX LAKE, IL 60020-1443

Mortgage

Document Number	0007895963
Date	Apr 11, 2022
Instrument	7895963

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	318 Months
Due	Oct 1, 2048

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Sep 25, 2018
Property Address	46 ERNEST AVE, FOX LAKE, IL 60020-1443
Document Number	0007515186
Instrument Date	Sep 20, 2018
Instrument	7515186
Transaction Type	Transfer
Record Updated	Oct 10, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$284.25
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	46 ERNEST AVE FOX LAKE IL 600201443, FOX LAKE, IL 60020-1443

Mortgage

Document Number	7515187
Date	Sep 25, 2018
Instrument	7515187

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 24, 2048

Interest

Rate Type	Fixed Rate
Rate	5.12%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	46 ERNEST AVE, FOX LAKE, IL 60020-1443
Document Number	0007490416
Instrument Date	Jun 7, 2018
Transaction Type	Mortgage
Record Updated	Mar 30, 2020
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	180 N STETSON AVE #3650 CHICAGO IL 606016709, 3650, CHICAGO, IL 60601-6709

Mortgage

Document Number	0007490416
Date	Jun 13, 2018
Instrument	7490416

Lender

Name	CITIBANK
Type	Bank
Address	390 GREENWICH ST # 5TH, NEW YORK, NY 10013

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Grant Township
Municipality	Fox Lake Village
Elementary School District	Fox Lake Grade School District 114 (PK - 08)
Secondary School District	Grant Community High School District 124 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$93,161 Land $12,677 Building $80,484	$279,511 Land $38,035 Building $241,476
2024	$7,057.00 (+5.9%)
2023	$6,664.00 (+10.75%)	$75,515 (+3.09%) Land $11,060 Building $64,455	$226,567 (+3.08%) Land $33,183 Building $193,384
2022	$6,017.00	$73,255 Land $8,188 Building $65,067	$219,787 Land $24,566 Building $195,221

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 46 Ernest Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	32 (1979–2026)
Claims Outside the SFHA	4 of 32
Most Recent Claim	Apr 2026 · river or lake flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 3 claims Severe Storms And Flooding, Jun 2008 · 5 claims Severe Storms & Flooding, Jun 1993 · 5 claims

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 46 Ernest 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 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 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	FOX LAKE serves 11,780 people · EPA ID IL0970200
Water Source	Groundwater
Last State Inspection	Jul 2023
Lead	3 ppb (2026) action level 15 ppb
Copper	1.58 mg/L (2025) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	37 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 336 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Verizon.

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