Lake County property record for 527 Capital Ln, Gurnee, IL 60031
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,796 sqft · built 1995 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $580,000 (Sep 2025) |
| Tax Bill | $13,350 (2024) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Nov 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-20-102-055 |
| Primary APN | 07-20-102-055 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,796 sqft Living Area |
| Gross Area | 4,513 sqft |
| 1st Floor Area | 1,650 sqft |
| 2nd Floor Area | 1,146 sqft |
| Upper Floors Area | 1,145 sqft |
| Basement Area | 1,276 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 17,860 sqft (0.41 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 527 CAPITAL LN |
|---|---|
| City | GURNEE |
| State | IL |
| Zip | 60031-4497 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WASHINGTON PARK SUBDIVISION; LOT 7 |
| Legal Subdivision | WASHINGTON PARK SUBDIVISION |
| Legal Lot Number | 7 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | WARREN |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 861611 |
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 | 9071 E MISSISSIPPI AVE, 9E, DENVER, CO 80247-2014 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 25, 2025 | Warranty Deed, Transfer · Conventional Mortgage BMO BANK NA |
| Nov 1, 2022 | Warranty Deed, Transfer · Conventional Mortgage KEY MORTGAGE SERVICES INC |
| Nov 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST AMERICAN BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2025 · Amount on Record |
| Deed Sale | Sep 25, 2025 · Amount on Record |
| Prior Sale | Nov 1, 2022 · Amount on Record |
| Deed Document Number | 20258123951 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Sep 25, 2025 |
| Property Address | 527 CAPITAL LN, GURNEE, IL 60031-4497 |
| Document Number | 0008123951 |
| Map Reference | DOC 3596056 |
| Instrument Date | Jul 17, 2025 |
| Instrument | 8123951 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2025 |
| Title Company | UNKNOWN, CT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $580.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 527 CAPITAL LN, GURNEE, IL 60031-4497 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 9071 E MISSISSIPPI AVE APT 9E, 9E, DENVER, CO 80247-2014 |
| Document Number | 0008123952 |
|---|---|
| Date | Sep 25, 2025 |
| Instrument | 8123952 |
| Name | BMO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Type Change Date | Sep 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.6% |
| Index | SOFR Average 30-Day |
| Max Rate | 10.6% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Nov 1, 2022 |
| Property Address | 527 CAPITAL LN, GURNEE, IL 60031-4497 |
| Document Number | 0007941709 |
| Map Reference | DOC 3596056 |
| Instrument Date | Oct 21, 2022 |
| Instrument | 7941709 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $515.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 527 CAPITAL LN, GURNEE, IL 60031-4497 |
| Document Number | 0007941710 |
|---|---|
| Date | Nov 1, 2022 |
| Instrument | 7941710 |
| Name | KEY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Type Change Date | Nov 1, 2029 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 11.3% |
| Index | Other |
| Max Rate | 11.3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 527 CAPITAL LN, GURNEE, IL 60031-4497 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0007712651 |
|---|---|
| Date | Nov 5, 2020 |
| Instrument | 7712651 |
| Name | FIRST AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | HAMPSHIRE, IL 60140 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Oct 1, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.37% |
Source: Lake County assessment roll, as of April 29, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $167,880 (+10.84%) Land $36,804 Building $131,076 | $503,690 (+10.84%) Land $110,423 Building $393,267 | |
| 2024 | $13,350.00 (+18.7%) | $151,458 (+7.71%) Land $33,204 Building $118,254 | $454,419 (+7.71%) Land $99,622 Building $354,797 |
| 2023 | $11,247.00 (+10.62%) | $140,616 (+15.84%) Land $30,827 Building $109,789 | $421,890 (+15.84%) Land $92,490 Building $329,400 |
| 2022 | $10,167.00 | $121,388 Land $28,166 Building $93,222 | $364,200 Land $84,506 Building $279,694 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 86% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 261 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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