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491 Circle Ln, Lake Forest, IL 60045 Property Records

Lake County property record for 491 Circle Ln, Lake Forest, IL 60045

Property Summary

Property TypeSingle Family Home
Details4 bd · 5 ba · 5,480 sqft · built 1975
Lot Size1.07 acres (46,958 sqft)
OwnerTrust Name on File
Last Sale$937,000 (May 1998)
Tax Bill$28,945 (2024)
Deeds & MortgagesMay 2017 Line of Credit
Flood ZoneZone X (minimal risk)
APN16-03-402-006

Property Details

APN / Parcel Number

Primary APN16-03-402-006

Interior

Bedrooms4 Beds
Full Baths5 Baths
Plumbing Fixtures17 Plumbing Fixtures
Stories2 Stories
Building Area5,480 sqft Living Area
Gross Area7,663 sqft
1st Floor Area2,700 sqft
2nd Floor Area2,780 sqft
Upper Floors Area2,717 sqft
Basement Area1,131 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1975
Effective Year BuiltEffective 1978
Architectural StyleConventional
Exterior MaterialBrick
Construction TypeFrame
Roof MaterialWood Shingle
Lot Area46,958 sqft (1.07 acres)
Garage TypeAttached
Garage Area1,052 sqft
Parking Spaces4 Parking Spaces
PorchOpen Porch
Porch Area56 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address491 CIRCLE LN
CityLAKE FOREST
StateIL
Zip60045-3337
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionUNIT 2 ROBERT W KENDLERS VILLA TURICUM SUB LOT 158
Legal SubdivisionUNIT 2 ROBERT W KENDLERS VILLA TURICUM S
Legal Lot Number158
Legal Unit2
JurisdictionLAKE IL
Township / Civil DivisionMORAINE
Census Block Group1
Census Block1014
Census Tract865000

Owner

491 Circle Ln is owner-occupied and held in a trust since November 2011.

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

Owner of RecordTrust Name on File
Mailing Address491 CIRCLE LN, LAKE FOREST, IL 60045-3337
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 8, 1998 · Amount on File
Deed SaleMay 8, 1998 · Amount on File
Prior SaleJan 10, 1994 · Amount on File
Deed Document Number19984130918
Last Transfer DateNov 22, 2011
Transfer Doc0006797499
Record UpdatedOct 29, 2026

May 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE IL
Property Address491 CIRCLE LN, LAKE FOREST, IL 60045-3337
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0007393839
DateMay 11, 2017
Instrument7393839
Lender
NameBMO HARRIS BANK NA
TypeBank
AddressCHICAGO, IL 60690
Agreement
TypeLine of Credit
AmountAmount on Record
Term360 Months
DueMay 10, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyLake County
County SubdivisionMoraine Township
MunicipalityLake Forest City
Elementary School DistrictLake Forest School District 67 (PK - 08)
Secondary School DistrictLake Forest Community High School District 115 (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$521,409 Land $169,889 Building $351,520$1,564,383 Land $509,718 Building $1,054,665
2024$28,945.00 (+15.12%)
2023$25,143.00 (+5.45%)$443,097 (+4.54%) Land $144,373 Building $298,724$1,329,424 (+4.54%) Land $433,162 Building $896,262
2022$23,844.00$423,837 Land $158,601 Building $265,236$1,271,639 Land $475,851 Building $795,788

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 491 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies8 in force
Nearby Flood Claims2 (2008–2010)
Claims Outside the SFHA2 of 2
Most Recent ClaimMay 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 491 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 RiskLow
lower than 97% of the US · lower than 79% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
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 SystemLAKE FOREST
serves 19,642 people · EPA ID IL0970800
Water SourceSurface water
Last State InspectionOct 2025
Lead21 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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