Lake County property record for 520 E Center Ave, Lake Bluff, IL 60044
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 3,511 sqft · built 1893 |
| Lot Size | 0.214 acres (9,313 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,035,000 (Sep 2018) |
| Tax Bill | $28,445 (2024) |
| Deeds & Mortgages | May 2020 Mortgage Aug 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-21-214-015 |
| Primary APN | 12-21-214-015 |
|---|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,511 sqft Living Area |
| Gross Area | 4,764 sqft |
| 1st Floor Area | 1,509 sqft |
| Upper Floors Area | 1,335 sqft |
| Basement Area | 1,335 sqft |
| Finished Basement | 667 sqft |
| Unfinished Basement | 668 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1893 |
|---|---|
| Effective Year Built | Effective 1893 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 9,313 sqft (0.214 acres) |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 585 sqft |
| Patio Area | 286 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Street Address | 520 E CENTER AVE |
|---|---|
| City | LAKE BLUFF |
| State | IL |
| Zip | 60044-2604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VILLAGE OF LAKE BLUFF NORTH ADD;PT LTS 6&7 BLK32 BEG 11.5W OF SE COR SD LT7,N TO N LN SD LT TO PNT 11W OF NE COR,W ALG N LNS LTS 6&7 75 MOL TO PNT ON N LNLT6 7.25E OF NW COR,S |
| Legal Subdivision | VILLAGE OF LAKE BLUFF NORTH ADD |
| Legal Block | 32 |
| Legal Lot Number | 6,7 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | SHIELDS |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 863300 |
Source: Lake County records · APN 12-21-214-015
Assessment roll updated April 29, 2026 · Last verified May 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 File |
|---|---|
| Mailing Address | 520 E CENTER AVE, LAKE BLUFF, IL 60044-2604 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FIDELITY MORTGAGE SERVICES INC |
| Aug 01, 2019 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FIDELITY MORTGAGE SERVICES INC |
| Sep 11, 2018 | Warranty Deed, Transfer · ARM AMERICAN FIDELITY MORTGAGE SERVICES |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 11, 2018 · Amount on Record |
| Deed Sale | Sep 11, 2018 · Amount on Record |
| Prior Sale | Jun 11, 2001 · Amount on Record |
| Deed Document Number | 20187511867 |
| Last Transfer Date | May 19, 2025 |
| Transfer Doc | 0008103816 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 520 E CENTER AVE, LAKE BLUFF, IL 60044-2604 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | DUKANE TITLE INSURANC CE |
| Name | Verified Name |
|---|
| Document Number | 0007657487 |
|---|---|
| Date | May 20, 2020 |
| Instrument | 7657487 |
| Name | AMERICAN FIDELITY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | WHEATON, IL 60189 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 520 E CENTER AVE, LAKE BLUFF, IL 60044-2604 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | DUKANE TITLE INSURANCE CO |
| Name | Verified Name |
|---|
| Document Number | 0007580914 |
|---|---|
| Date | Aug 01, 2019 |
| Instrument | 7580914 |
| Name | AMERICAN FIDELITY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | WHEATON, IL 60189 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Aug 12, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.75% |
| Index | 1-Year LIBOR |
| Max Rate | 8.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Sep 11, 2018 |
| Property Address | 520 E CENTER AVE, LAKE BLUFF, IL 60044-2604 |
| Document Number | 0007511867 |
| Instrument Date | Aug 27, 2018 |
| Instrument | 7511867 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2022 |
| Title Company | GREATER ILLINOIS TITLE COMPA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,035.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 520 E CENTER AVE, LAKE BLUFF, IL 60044-2604 |
| Investor | Possibly a Property Investor |
| Document Number | 0007511868 |
|---|---|
| Date | Sep 11, 2018 |
| Instrument | 7511868 |
| Name | AMERICAN FIDELITY MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | Sep 01, 2025 |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 9.37% |
| Index | 1-Year LIBOR |
| Max Rate | 9.37% |
Source: Lake County records · Assessment roll updated April 29, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Lake County |
| County Subdivision | Shields Township |
| Municipality | Lake Bluff Village |
| Elementary School District | Lake Bluff Elementary School District 65 (KG - 08) |
| Secondary School District | Lake Forest Community High School District 115 (09 - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $459,144 (+30.04%) Land $162,207 Building $296,937 | $1,377,570 (+30.04%) Land $486,670 Building $890,900 | |
| 2024 | $28,445.00 (+22.9%) | ||
| 2023 | $23,145.00 (+3.61%) | $353,071 (+5.97%) Land $124,734 Building $228,337 | $1,059,319 (+5.97%) Land $374,239 Building $685,080 |
| 2022 | $22,338.00 | $333,192 Land $117,711 Building $215,481 | $999,676 Land $353,168 Building $646,508 |
Source: FEMA National Flood Hazard Layer as of February 20, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (1983) |
| Most Recent Claim | Aug 1983 · tidal / storm surge |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
Based on FCC filings for 303 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LAKE BLUFF serves 5,600 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jul 2024 |
| Lead | 5 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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