4851 Middle Rd, Gurnee, IL 60031 Property Records

Lake County property record for 4851 Middle Rd, Gurnee, IL 60031

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,415 sqft · built 1992
Lot Size	0.239 acres (10,402 sqft)
Owner	2 Trust Names on File
Last Sale	$512,500 (Nov 2023)
Tax Bill	$12,828 (2024)
Deeds & Mortgages	Jan 2024 Mortgage Dec 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07-26-109-016`

Property Details

APN / Parcel Number

Primary APN	`07-26-109-016`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	2 Stories
Building Area	2,415 sqft Living Area
Gross Area	4,239 sqft
1st Floor Area	1,143 sqft
2nd Floor Area	1,272 sqft
Upper Floors Area	1,272 sqft
Basement Area	1,088 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	10,402 sqft (0.239 acres)
Garage Type	Attached
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces
Patio Area	252 sqft
Shed	1 Shed
Shed Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4851 MIDDLE RD
City	GURNEE
State	IL
Zip	60031-3253
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROVIDENCE VILLAGE SUB PHASE III UNIT 5; LOT 368
Legal Subdivision	PROVIDENCE VILLAGE SUB PHASE III UNIT 5
Legal Phase	3
Legal Lot Number	368
Legal Unit	5
Jurisdiction	LAKE IL
Township / Civil Division	WARREN
Census Block Group	1
Census Block	1007
Census Tract	861509

Owner

4851 Middle Rd is owner-occupied and held in a trust since May 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	4851 MIDDLE RD, GURNEE, IL 60031-3253
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Jan 25, 2024	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Dec 20, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Nov 15, 2023	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA
Oct 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 15, 2020	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2023 · Amount on File
Deed Sale	Nov 15, 2023 · Amount on File
Prior Sale	Sep 15, 2020 · Amount on File
Deed Document Number	20238006011
Last Transfer Date	May 6, 2024
Transfer Doc	0008033893
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	4851 MIDDLE RD, GURNEE, IL 60031-3253
Transaction Type	Mortgage
Record Updated	Feb 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4851 MIDDLE RD, GURNEE, IL 60031-3253

Mortgage

Document Number	0008016359
Date	Jan 25, 2024
Instrument	8016359

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

Interest

Rate	6.62%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	4851 MIDDLE RD, GURNEE, IL 60031-3253
Transaction Type	Mortgage
Record Updated	Jan 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4851 MIDDLE RD, GURNEE, IL 60031-3253

Mortgage

Document Number	0008011358
Date	Dec 20, 2023
Instrument	8011358

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

Interest

Rate	7.12%

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Nov 15, 2023
Property Address	4851 MIDDLE RD, GURNEE, IL 60031-3253
Document Number	0008006011
Map Reference	DOC 3200044
Instrument Date	Nov 3, 2023
Instrument	8006011
Transaction Type	Transfer
Record Updated	Dec 4, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$512.50
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	4851 MIDDLE RD, GURNEE, IL 60031-3253

Mortgage

Document Number	0008006012
Date	Nov 15, 2023
Instrument	8006012

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

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

Interest

Rate	7.99%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	4851 MIDDLE RD, GURNEE, IL 60031-3253
Transaction Type	Mortgage
Record Updated	Nov 12, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007833554
Date	Oct 13, 2021
Instrument	7833554

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2051

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Sep 15, 2020
Property Address	4851 MIDDLE RD, GURNEE, IL 60031-3253
Document Number	0007694661
Map Reference	DOC 3200044
Instrument Date	Jul 27, 2020
Instrument	7694661
Transaction Type	Transfer
Record Updated	Mar 17, 2022
Title Company	PRECISION TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$387.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4851 MIDDLE RD, GURNEE, IL 60031-3253

Mortgage

Document Number	0007694662
Date	Sep 15, 2020
Instrument	7694662

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

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		$156,909 Land $25,579 Building $131,330	$470,774 Land $76,745 Building $394,029
2024	$12,828.00 (+0.73%)
2023	$12,735.00 (+10.51%)	$129,493 (-3.76%) Land $21,110 Building $108,383	$388,518 (-3.76%) Land $63,336 Building $325,182
2022	$11,524.00	$134,553 Land $18,457 Building $116,096	$403,700 Land $55,377 Building $348,323

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 4851 Middle Rd 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
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 4851 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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