4778 Middle Rd, Gurnee, IL 60031 Property Records

Lake County property record for 4778 Middle Rd, Gurnee, IL 60031

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,566 sqft · built 1990
Lot Size	0.257 acres (11,199 sqft)
Owner	2 Individual Names on File
Tax Bill	$11,749 (2024)
Deeds & Mortgages	Mar 2024 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-26-103-013`

Property Details

APN / Parcel Number

Primary APN	`07-26-103-013`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,566 sqft Living Area
Gross Area	4,174 sqft
1st Floor Area	1,088 sqft
2nd Floor Area	1,478 sqft
Upper Floors Area	1,504 sqft
Basement Area	1,088 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
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	520 sqft
Parking Spaces	2 Parking Spaces
Patio Area	416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4778 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 240
Legal Subdivision	PROVIDENCE VILLAGE PHASE III
Legal Phase	3
Legal Lot Number	240
Jurisdiction	LAKE IL
Township / Civil Division	WARREN
Census Block Group	1
Census Block	1011
Census Tract	861509

Owner

4778 Middle Rd is owned and occupied by two individuals who acquired it in February 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	4778 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
Mar 28, 2024	Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC
Mar 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LOAN SERVICING LLC
Feb 28, 2020	Intrafamily Transfer, Transfer · FHA Mortgage HOMESIDE FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2020
Deed Sale	Feb 28, 2020
Deed Document Number	20207637595
Prior Transfer Date	Feb 5, 2020
Prior Transfer Doc	0007637595
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	4778 MIDDLE RD, GURNEE, IL 60031-3222
Transaction Type	Mortgage
Record Updated	Apr 12, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4778 MIDDLE RD, GURNEE, IL 60031-3222

Mortgage

Document Number	0008026606
Date	Mar 28, 2024
Instrument	8026606

Lender

Name	LOANCARE LLC
Type	Mortgage Company
Address	3637 SENTARA WAY, VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	324 Months
Due	Mar 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	4778 MIDDLE RD, GURNEE, IL 60031-3222
Transaction Type	Mortgage
Record Updated	Apr 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007757418
Date	Mar 3, 2021
Instrument	7757418

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	2.62%

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE IL
Recording Date	Feb 28, 2020
Property Address	4778 MIDDLE RD, GURNEE, IL 60031-3222
Document Number	0007637595
Map Reference	DOC 2875048
Instrument Date	Feb 5, 2020
Instrument	7637595
Transaction Type	Transfer
Record Updated	Mar 17, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4778 MIDDLE RD, GURNEE, IL 60031-3222

Mortgage

Document Number	0007637597
Date	Feb 28, 2020
Instrument	7637597

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Interest

Rate Type	Fixed Rate
Rate	4.12%

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		$141,644 Land $27,012 Building $114,632	$424,974 Land $81,044 Building $343,930
2024	$11,749.00 (+4.7%)
2023	$11,222.00 (+10.54%)	$119,211 (-0.06%) Land $22,734 Building $96,477	$357,669 (-0.06%) Land $68,209 Building $289,460
2022	$10,152.00	$119,280 Land $19,875 Building $99,405	$357,876 Land $59,631 Building $298,245

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4778 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 4778 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 98% of the US · lower than 86% 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	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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