Lake County property record for 495 Ryan Pl, Lake Forest, IL 60045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,306 sqft · built 1929 |
| Lot Size | 0.187 acres (8,150 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $545,000 (Sep 2022) |
| Tax Bill | $11,579 (2024) |
| Deeds & Mortgages | Sep 2026 Mortgage Sep 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-33-406-029 |
| Primary APN | 12-33-406-029 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,306 sqft Living Area |
| Gross Area | 2,920 sqft |
| 1st Floor Area | 1,003 sqft |
| Upper Floors Area | 802 sqft |
| Basement Area | 1,003 sqft |
| Finished Basement | 501 sqft |
| Unfinished Basement | 502 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1929 |
|---|---|
| Effective Year Built | Effective 1929 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 8,150 sqft (0.187 acres) |
| Garage Type | Detached |
| Garage Area | 414 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 136 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 495 RYAN PL |
|---|---|
| City | LAKE FOREST |
| State | IL |
| Zip | 60045-2449 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WASHINGTON HEIGHTS SUB. LOT 25 |
| Legal Subdivision | WASHINGTON HEIGHTS SUB. |
| Legal Lot Number | 25 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | SHIELDS |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 863400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Lake Forest Historic District listed 1978 · 590 contributing resources · NRIS 78001161 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
495 Ryan Pl is owned and occupied by two individuals who bought it in September 2022.
Source: Lake County records, as of September 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 873 YALE LN, HIGHLAND PARK, IL 60035-2331 |
| 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.
| Date | Document |
|---|---|
| Sep 9, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MORTGAGE |
| Sep 26, 2022 | Warranty Deed, Transfer · Conventional Mortgage PHH MORTGAGE SERVICES CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2022 · Amount on File |
| Deed Sale | Sep 26, 2022 · Amount on File |
| Prior Sale | Aug 26, 2009 · Amount on File |
| Deed Document Number | 20227934887 |
| Prior Transfer Date | Dec 22, 2020 |
| Prior Transfer Doc | 0007740562 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Sep 9, 2026 |
| Property Address | 495 RYAN PL, LAKE FOREST, IL 60045-2449 |
| Document Number | 0008193744 |
| Instrument Date | Sep 1, 2026 |
| Instrument | 20268193744 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 495 RYAN PL, LAKE FOREST, IL 60045-2449 |
| Document Number | 0008193744, |
|---|---|
| Date | Sep 9, 2026 |
| Instrument | 20268193744 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.63% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Sep 26, 2022 |
| Property Address | 495 RYAN PL, LAKE FOREST, IL 60045-2449 |
| Document Number | 0007934887 |
| Map Reference | DOC 261477 |
| Instrument Date | Sep 8, 2022 |
| Instrument | 7934887 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2022 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $545.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 495 RYAN PL, LAKE FOREST, IL 60045-2449 |
| Document Number | 0007934888 |
|---|---|
| Date | Sep 26, 2022 |
| Instrument | 7934888 |
| Name | PHH MORTGAGE SERVICES CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.62% |
Source: Lake County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Lake County |
| County Subdivision | Shields 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $209,266 Land $96,993 Building $112,273 | $627,861 Land $291,008 Building $336,853 | |
| 2024 | $11,579.00 (+20.26%) | ||
| 2023 | $9,628.00 (+2.89%) | $177,013 (+6.98%) Land $82,044 Building $94,969 | $531,092 (+6.98%) Land $246,157 Building $284,935 |
| 2022 | $9,358.00 | $165,470 Land $76,694 Building $88,776 | $496,460 Land $230,105 Building $266,355 |
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.
FEMA maps place 495 Ryan Pl in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 20, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 495 Ryan Pl 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 343 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| AT&T Fiber · DSL in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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