508 Cavin Ave, Winthrop Harbor, IL 60096 Property Records

Lake County property record for 508 Cavin Ave, Winthrop Harbor, IL 60096

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,764 sqft · built 1989
Lot Size	0.485 acres (21,127 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Oct 2025)
Tax Bill	$7,710 (2024)
Deeds & Mortgages	Oct 2025 Sale & Mortgage May 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`04-09-201-018`

Property Details

APN / Parcel Number

Primary APN	`04-09-201-018`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	1,764 sqft Living Area
Gross Area	2,932 sqft
1st Floor Area	1,036 sqft
2nd Floor Area	728 sqft
Upper Floors Area	728 sqft
Basement Area	728 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Asphalt
Lot Area	21,127 sqft (0.485 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	60 sqft
Deck Area	Deck Area
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	508 CAVIN AVE
City	WINTHROP HARBOR
State	IL
Zip	60096-1159
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	F.H.BARTLETTS NORTH SHORE ACRE 1ST ADD; S84.5 N254 BLOCK 4 0
Legal Subdivision	F.H.BARTLETTS NORTH SHORE ACRE 1ST ADD
Legal Block	4
Jurisdiction	LAKE IL
Township / Civil Division	BENTON
Census Block Group	3
Census Block	3035
Census Tract	860103

Owner

508 Cavin Ave is owned by an individual who bought it in October 2025.

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

Owner of Record	Individual Name on File
Mailing Address	4021 KY 1094, CAMPTON, KY 41301-7867
Owner Type	Individual
Vesting	Unmarried Man

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
Oct 27, 2025	Warranty Deed, Transfer · VA Mortgage NAVY FCU
May 3, 2018	Deed of Trust, Mortgage · Line of Credit ABBOTT LABORATORIES EMP CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2025 · Amount on File
Deed Sale	Oct 27, 2025 · Amount on File
Deed Document Number	20258130025
Record Updated	Jun 8, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Oct 27, 2025
Property Address	508 CAVIN AVE, WINTHROP HARBOR, IL 60096-1159
Document Number	0008130025
Map Reference	DOC 280317
Instrument Date	Oct 9, 2025
Instrument	8130025
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	CT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4021 KY 1094, CAMPTON, KY 41301-7867

Mortgage

Document Number	0008130026
Date	Oct 27, 2025
Instrument	8130026

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	508 CAVIN AVE, WINTHROP HARBOR, IL 60096-1159
Document Number	0007487257
Instrument Date	May 3, 2018
Transaction Type	Mortgage
Record Updated	Mar 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	508 CAVIN AVE WINTHROP HARBOR IL 600961159, WINTHROP HARBOR, IL 60096-1159

Mortgage

Document Number	0007487257
Date	May 31, 2018
Instrument	7487257

Lender

Name	ABBOTT LABORATORIES EMP CU
Type	Credit Union
Address	GURNEE, IL 60031

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	May 30, 2023

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Benton Township
Municipality	Winthrop Harbor Village
Elementary School District	Winthrop Harbor School District 1 (PK - 08)
Secondary School District	Zion-Benton Township High School District 126 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$101,463 (+9.6%) Land $12,086 Building $89,377	$304,420 (+9.6%) Land $36,262 Building $268,158
2024	$7,710.00 (+6.27%)	$92,575 (+3.59%) Land $11,027 Building $81,548	$277,752 (+3.59%) Land $33,084 Building $244,668
2023	$7,255.00 (-9.16%)	$89,367 (+15.62%) Land $10,645 Building $78,722	$268,128 (+15.62%) Land $31,938 Building $236,190
2022	$7,987.00	$77,294 Land $10,432 Building $66,862	$231,905 Land $31,299 Building $200,606

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 508 Cavin Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1986.

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1986)
Most Recent Claim	Sep 1986 · Severe Storms & Flooding

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 508 Cavin Ave 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	WINTHROP HARBOR serves 6,565 people · EPA ID IL0971950
Water Source	Purchased surface water from LAKE COUNTY PUBLIC WATER DISTRICT
Last State Inspection	Apr 2025
Lead	5 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	16 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 198 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

May also be available: AT&T.

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