4694 Middle Rd, Gurnee, IL 60031 Property Records

Lake County property record for 4694 Middle Rd, Gurnee, IL 60031

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,647 sqft · built 1991
Lot Size	0.257 acres (11,199 sqft)
Owner	2 Individual Names on File
Last Sale	$415,000 (Aug 2022)
Tax Bill	$12,813 (2024)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Feb 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-26-103-020`

Property Details

APN / Parcel Number

Primary APN	`07-26-103-020`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,647 sqft Living Area
Gross Area	4,458 sqft
1st Floor Area	1,327 sqft
2nd Floor Area	1,320 sqft
Upper Floors Area	1,320 sqft
Basement Area	1,327 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	11,199 sqft (0.257 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	168 sqft
Patio Area	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4694 MIDDLE RD
City	GURNEE
State	IL
Zip	60031-3222
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROVIDENCE VILLAGE PHASE III; LOT 233
Legal Subdivision	PROVIDENCE VILLAGE PHASE III
Legal Phase	3
Legal Lot Number	233
Jurisdiction	LAKE IL
Township / Civil Division	WARREN
Census Block Group	1
Census Block	1011
Census Tract	861509

Owner

4694 Middle Rd is owned and occupied by two individuals who bought it in August 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	4694 MIDDLE RD, GURNEE, IL 60031-3222
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
Aug 11, 2022	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Feb 14, 2022	Warranty Deed, Transfer · Conventional Mortgage PREMIA MORTGAGE LLC
Feb 25, 2019	Deed of Trust, Mortgage · Line of Credit TRUSTONE FINANCIAL FCU
May 16, 2019	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2022 · Amount on File
Deed Sale	Aug 11, 2022 · Amount on File
Prior Sale	Feb 14, 2022 · Amount on File
Deed Document Number	20227925774
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Aug 11, 2022
Property Address	4694 MIDDLE RD, GURNEE, IL 60031-3222
Document Number	0007925774
Map Reference	DOC 2875048
Instrument Date	Jun 22, 2022
Instrument	7925774
Transaction Type	Transfer
Record Updated	Aug 22, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$415.00
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	4694 MIDDLE RD, GURNEE, IL 60031-3222

Mortgage

Document Number	0007925775
Date	Aug 11, 2022
Instrument	7925775

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.57%

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Feb 14, 2022
Property Address	4694 MIDDLE RD, GURNEE, IL 60031-3222
Document Number	0007873630
Map Reference	DOC 2875048
Instrument Date	Nov 30, 2021
Instrument	7873630
Transaction Type	Transfer
Record Updated	Feb 25, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$406.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4694 MIDDLE RD, GURNEE, IL 60031-3222

Mortgage

Document Number	0007873631
Date	Feb 14, 2022
Instrument	7873631

Lender

Name	PREMIA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.25%

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	4694 MIDDLE RD, GURNEE, IL 60031-3222
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007545128
Date	Feb 25, 2019
Instrument	7545128

Lender

Name	TRUSTONE FINANCIAL FCU
Type	Credit Union
Address	MINNEAPOLIS, MN 55447

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Feb 24, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	May 16, 2019
Property Address	4694 MIDDLE RD, GURNEE, IL 60031-3222
Document Number	0007562179
Map Reference	DOC 2875048
Instrument Date	Apr 19, 2019
Instrument	7562179
Transaction Type	Transfer
Record Updated	Mar 17, 2022
Title Company	PROPER TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$339.00
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	4694 MIDDLE RD, GURNEE, IL 60031-3222

Mortgage

Document Number	0007562181
Date	May 16, 2019
Instrument	7562181

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 1, 2029

Interest

Rate Type	Fixed 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	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		$153,688 Land $27,012 Building $126,676	$461,110 Land $81,044 Building $380,066
2024	$12,813.00 (+6.36%)
2023	$12,047.00 (+10.47%)	$129,347 (+1.37%) Land $22,734 Building $106,613	$388,080 (+1.37%) Land $68,209 Building $319,871
2022	$10,905.00	$127,602 Land $19,875 Building $107,727	$382,844 Land $59,631 Building $323,213

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 4694 Middle 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 4694 Middle 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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