494 Cross Rd, Gurnee, IL 60031 Property Records

Lake County property record for 494 Cross Rd, Gurnee, IL 60031

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 2,415 sqft · built 1991
Lot Size	0.219 acres (9,548 sqft)
Owner	2 Individual Names on File
Last Sale	$433,000 (Mar 2008)
Tax Bill	$11,705 (2024)
Deeds & Mortgages	Jul 2026 Mortgage May 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`07-26-105-018`

Property Details

APN / Parcel Number

Primary APN	`07-26-105-018`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,415 sqft Living Area
Gross Area	4,149 sqft
1st Floor Area	1,300 sqft
2nd Floor Area	1,115 sqft
Upper Floors Area	1,137 sqft
Basement Area	1,272 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	9,548 sqft (0.219 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Pool Area	525 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	494 CROSS RD
City	GURNEE
State	IL
Zip	60031-3252
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROVIDENCE VILLAGE PHASE II; LT 266 LOT 266
Legal Subdivision	PROVIDENCE VILLAGE PHASE II
Legal Phase	2
Legal Lot Number	266
Jurisdiction	LAKE IL
Township / Civil Division	WARREN
Census Block Group	1
Census Block	1010
Census Tract	861509

Owner

494 Cross Rd is owned and occupied by two individuals who bought it in March 2008.

Source: Lake County records, as of August 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	494 CROSS RD, GURNEE, IL 60031-3252
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
Jul 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage BAXTER CREDIT UNION
May 31, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2008 · Amount on File
Deed Sale	Mar 18, 2008 · Amount on File
Deed Document Number	20086319272
Prior Transfer Date	Dec 14, 2000
Prior Transfer Doc	0004624698
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Recording Date	Jul 31, 2026
Property Address	494 CROSS RD, GURNEE, IL 60031-3252
Document Number	0008185253
Instrument Date	Jul 21, 2026
Instrument	20268185253
Transaction Type	Mortgage
Record Updated	Aug 12, 2026
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SERVICE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	494 CROSS RD, GURNEE, IL 60031-3252

Mortgage

Document Number	0008185253,
Date	Jul 31, 2026
Instrument	20268185253

Lender

Name	BAXTER CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 31, 2046

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	494 CROSS RD, GURNEE, IL 60031-3252
Transaction Type	Mortgage
Record Updated	Jun 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007907830
Date	May 31, 2022
Instrument	7907830

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 30, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$155,689 Land $23,480 Building $132,209	$467,114 Land $70,447 Building $396,667
2024	$11,705.00 (-2.87%)
2023	$12,051.00 (+10.52%)	$128,487 (-6.65%) Land $19,378 Building $109,109	$385,500 (-6.65%) Land $58,140 Building $327,360
2022	$10,904.00	$137,637 Land $16,943 Building $120,694	$412,952 Land $50,834 Building $362,118

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 494 Cross 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 494 Cross 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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