464 Circle Ln, Lake Forest, IL 60045 Property Records

Lake County property record for 464 Circle Ln, Lake Forest, IL 60045

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,745 sqft · built 1977
Lot Size	0.971 acres (42,305 sqft)
Owner	2 Individual Names on File
Last Sale	$1,275,000 (Jun 2023)
Tax Bill	$25,318 (2024)
Deeds & Mortgages	Sep 2023 Mortgage Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-03-401-004`

Property Details

APN / Parcel Number

Primary APN	`16-03-401-004`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Stories	2 Stories
Building Area	3,745 sqft Living Area
Gross Area	6,566 sqft
1st Floor Area	2,171 sqft
2nd Floor Area	1,574 sqft
Upper Floors Area	1,574 sqft
Basement Area	2,171 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	42,305 sqft (0.971 acres)
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	126 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	464 CIRCLE LN
City	LAKE FOREST
State	IL
Zip	60045-3338
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 2 ROBERT W KENDLERS VILLA TURICUM SUB LOT 4
Legal Subdivision	UNIT 2 ROBERT W KENDLERS VILLA TURICUM S
Legal Lot Number	4
Legal Unit	2
Jurisdiction	LAKE IL
Township / Civil Division	MORAINE
Census Block Group	1
Census Block	1017
Census Tract	865000

Owner

464 Circle Ln is owned and occupied by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	309 E HAWTHORNE ST, ARLINGTON HEIGHTS, IL 60004-5619
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
Sep 20, 2023	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Jun 27, 2023	Warranty Deed, Transfer · Conventional Mortgage DIAMOND RESIDENTIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2023 · Amount on File
Deed Sale	Jun 27, 2023 · Amount on File
Prior Sale	Dec 19, 2001 · Amount on File
Deed Document Number	20237980935
Prior Transfer Date	Apr 2, 2001
Prior Transfer Doc	0005130472
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	464 CIRCLE LN, LAKE FOREST, IL 60045-3338
Transaction Type	Mortgage
Record Updated	Oct 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	464 CIRCLE, CLARKSVILLE, MO 63336

Mortgage

Document Number	0007996862
Date	Sep 20, 2023
Instrument	7996862

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Interest

Rate	6.37%

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Jun 27, 2023
Property Address	464 CIRCLE LN, LAKE FOREST, IL 60045-3338
Document Number	0007980935
Map Reference	DOC 1370261
Instrument Date	Jun 15, 2023
Instrument	7980935
Transaction Type	Transfer
Record Updated	Jul 7, 2023
Title Company	PROPER TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,275.00
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	309 E HAWTHORNE ST, ARLINGTON HEIGHTS, IL 60004-5619

Mortgage

Document Number	0007980936
Date	Jun 27, 2023
Instrument	7980936

Lender

Name	DIAMOND RESIDENTIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Jul 1, 2028
Change Frequency	6 Months
Min Rate At Change	5.5%
Max Rate At Change	9.5%
Index	Other
Margin	3
Max Rate	12.5%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Moraine Township
Municipality	Lake Forest City
Elementary School District	Lake Forest School District 67 (PK - 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		$457,139 Land $156,281 Building $300,858	$1,371,554 Land $468,890 Building $902,664
2024	$25,318.00 (+14.82%)
2023	$22,050.00 (+9.63%)	$388,480 (+4.33%) Land $132,809 Building $255,671	$1,165,557 (+4.33%) Land $398,467 Building $767,090
2022	$20,113.00	$372,364 Land $145,899 Building $226,465	$1,117,204 Land $437,741 Building $679,463

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 464 Circle Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2008.

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 7 (15% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	2 (2008–2010)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2010 · 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

Wildfire risk around 464 Circle Ln 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	LAKE FOREST serves 19,642 people · EPA ID IL0970800
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	21 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	1 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 123 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

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Circle Ln

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