470 Valley Rd, Lake Forest, IL 60045 Property Records

Lake County property record for 470 Valley Rd, Lake Forest, IL 60045

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,993 sqft · built 1985
Lot Size	0.365 acres (15,882 sqft)
Owner	2 Individual Names on File
Last Sale	$730,000 (Jun 2016)
Tax Bill	$17,426 (2024)
Deeds & Mortgages	Sep 2025 Line of Credit Mar 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-05-406-012`

Property Details

APN / Parcel Number

Primary APN	`16-05-406-012`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,993 sqft Living Area
Gross Area	4,951 sqft
1st Floor Area	1,593 sqft
2nd Floor Area	1,400 sqft
Upper Floors Area	1,400 sqft
Basement Area	1,400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	15,882 sqft (0.365 acres)
Garage Type	Attached
Garage Area	558 sqft
Parking Spaces	2 Parking Spaces
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	470 VALLEY RD
City	LAKE FOREST
State	IL
Zip	60045-2983
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROBERT W. KENDLERS PONDS SUB LOT 47 & 1/156 INTEREST IN OUTL OTS A-B-C & D
Legal Subdivision	ROBERT W. KENDLERS PONDS SUB
Legal Block	C
Legal Lot Number	47,1
Jurisdiction	LAKE IL
Township / Civil Division	WEST DEERFIELD
Census Block Group	1
Census Block	1052
Census Tract	864602

Owner

470 Valley Rd is owned and occupied by two individuals who bought it in June 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	470 VALLEY RD, LAKE FOREST, IL 60045-2983
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
Sep 23, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Mar 2, 2021	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL CU
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage A & N MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2016 · Amount on File
Deed Sale	Jun 8, 2016 · Amount on File
Deed Document Number	20167298489
Prior Transfer Date	May 9, 2002
Prior Transfer Doc	0004942182
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	470 VALLEY RD, LAKE FOREST, IL 60045-2983
Transaction Type	Mortgage
Record Updated	Oct 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008123133
Date	Sep 23, 2025
Instrument	8123133

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28232

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 22, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	470 VALLEY RD, LAKE FOREST, IL 60045-2983
Transaction Type	Mortgage
Record Updated	Apr 15, 2021
Title Company	LAKESHORE TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007756726
Date	Mar 2, 2021
Instrument	7756726

Lender

Name	FIRST FINANCIAL CU
Type	Credit Union
Address	SKOKIE, IL 60077

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	470 VALLEY RD, LAKE FOREST, IL 60045-2983
Transaction Type	Mortgage
Record Updated	Apr 14, 2021
Title Company	LAKESHORE TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007755914
Date	Mar 1, 2021
Instrument	7755914

Lender

Name	A & N MORTGAGE SERVICES INC
Type	Mortgage Company
Address	CHICAGO, IL 60642

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	West Deerfield 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		$315,225 Land $103,019 Building $212,206	$945,770 Land $309,088 Building $636,682
2024	$17,426.00 (+22.64%)
2023	$14,209.00 (+5.82%)	$274,811 (+13.18%) Land $89,811 Building $185,000	$824,516 (+13.18%) Land $269,460 Building $555,056
2022	$13,428.00	$242,803 Land $96,698 Building $146,105	$728,482 Land $290,123 Building $438,359

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 470 Valley Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	4 (1978–2017)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jul 2017 · 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 470 Valley 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 98% of the US · lower than 86% 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	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 219 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 · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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