511 Cross Rd, Gurnee, IL 60031 Property Records

Lake County property record for 511 Cross Rd, Gurnee, IL 60031

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,330 sqft · built 1989
Lot Size	0.226 acres (9,858 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Apr 2019)
Tax Bill	$11,455 (2024)
Deeds & Mortgages	Apr 2020 Mortgage Apr 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-26-104-039`

Property Details

APN / Parcel Number

Primary APN	`07-26-104-039`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,330 sqft Living Area
Gross Area	4,098 sqft
1st Floor Area	1,112 sqft
2nd Floor Area	1,218 sqft
Upper Floors Area	1,218 sqft
Basement Area	1,088 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	Wood Shingle
Lot Area	9,858 sqft (0.226 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	511 CROSS RD
City	GURNEE
State	IL
Zip	60031-3248
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROVIDENCE VILLAGE PHASE II; LOT 177
Legal Subdivision	PROVIDENCE VILLAGE PHASE II
Legal Phase	2
Legal Lot Number	177
Jurisdiction	LAKE IL
Township / Civil Division	WARREN
Census Block Group	1
Census Block	1012
Census Tract	861509

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	511 CROSS RD, GURNEE, IL 60031-3248
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage PREMIA MORTGAGE LLC
Apr 5, 2019	Warranty Deed, Transfer · Conventional Mortgage PREMIA MORTGAGE LLC
Oct 7, 2017	Deed of Trust, Mortgage · Line of Credit CONSUMERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2019 · Amount on Record
Deed Sale	Apr 5, 2019 · Amount on Record
Prior Sale	Dec 30, 2009 · Amount on Record
Deed Document Number	20197553327
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	511 CROSS RD, GURNEE, IL 60031-3248
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007647084
Date	Apr 13, 2020
Instrument	7647084

Lender

Name	PREMIA MORTGAGE LLC
Type	Mortgage Company
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Apr 5, 2019
Property Address	511 CROSS RD, GURNEE, IL 60031-3248
Document Number	0007553327
Map Reference	DOC2739439
Instrument Date	Mar 28, 2019
Instrument	7553327
Transaction Type	Transfer
Record Updated	Mar 17, 2022
Title Company	BAIRD & WARNER TTL SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$305.00
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	511 CROSS RD, GURNEE, IL 60031-3248

Mortgage

Document Number	0007553328
Date	Apr 5, 2019
Instrument	7553328

Lender

Name	PREMIA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Interest

Rate	4.75%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	511 CROSS RD, GURNEE, IL 60031-3248
Document Number	0007438485
Instrument Date	Oct 7, 2017
Transaction Type	Mortgage
Record Updated	Nov 6, 2017
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	511 CROSS RD GURNEE IL 600313248, GURNEE, IL 60031-3248

Mortgage

Document Number	0007438485
Date	Oct 26, 2017
Instrument	7438485

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	GURNEE, IL 60031-4811

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 25, 2027

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	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		$141,048 (+21.17%) Land $24,242 Building $116,806	$423,186 (+21.17%) Land $72,733 Building $350,453
2024	$11,455.00 (+9.27%)
2023	$10,483.00 (+10.56%)	$116,403 (+4.1%) Land $20,006 Building $96,397	$349,244 (+4.1%) Land $60,024 Building $289,220
2022	$9,482.00	$111,822 Land $17,491 Building $94,331	$335,499 Land $52,478 Building $283,021

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

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

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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