527 Circle Dr, Fox Lake, IL 60020 Property Records

Lake County property record for 527 Circle Dr, Fox Lake, IL 60020

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,132 sqft · built 1959
Lot Size	0.887 acres (38,651 sqft)
Owner	2 Trust Names on File
Last Sale	$790,000 (Jan 2020)
Tax Bill	$18,999 (2024)
Deeds & Mortgages	Feb 2026 Transfer Feb 2022 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`05-16-204-019`

Property Details

APN / Parcel Number

Primary APN	`05-16-204-019`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	4,132 sqft Living Area
Gross Area	7,782 sqft
1st Floor Area	3,355 sqft
Basement Area	3,283 sqft
Finished Basement	777 sqft
Unfinished Basement	2,506 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1986
Lot Area	38,651 sqft (0.887 acres)
Garage Type	Attached
Garage Area	1,144 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	297 sqft
Deck Area	Deck Area
Patio Area	766 sqft

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Well

Location & Zoning

Street Address	527 CIRCLE DR
City	FOX LAKE
State	IL
Zip	60020-1902
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINQUIST & ANDERSONS SUB,LT8 & 9(EX BEG NW COR LT8, SW ALG N W LN 320.44,S4DG 27MN E43.59,N38DG 16MN E325.5,NW5.3 TO P OB&PT SD LT LYG NE OF WATERS EDGE& BEG NE COR LT9,NW23.565
Legal Subdivision	ANDERSONS SUB
Legal Lot Number	8
Jurisdiction	LAKE IL
Township / Civil Division	GRANT
Census Block Group	1
Census Block	1044
Census Tract	860908

Owner

527 Circle Dr is owner-occupied and held in a trust since January 2020.

Source: Lake County records, as of June 9, 2026

Owner of Record	2 Trust Names on File
Mailing Address	527 CIRCLE DR, FOX LAKE, IL 60020-1902
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Feb 5, 2026	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Feb 17, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BAXTER CU
Feb 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage BAXTER CU
Sep 13, 2021	Deed of Trust, Mortgage · Line of Credit BAXTER CU
Sep 8, 2017	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Jan 27, 2020	Grant Deed, Transfer BAXTER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2020 · Amount on File
Deed Sale	Jan 27, 2020 · Amount on File
Prior Sale	Oct 3, 2006 · Amount on File
Deed Document Number	20207628149
Prior Transfer Date	May 28, 1996
Prior Transfer Doc	0003835885
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE IL
Recording Date	Feb 5, 2026
Property Address	527 CIRCLE DR, FOX LAKE, IL 60020-1902
Document Number	0008150346
Map Reference	DOC 108504
Instrument Date	Feb 4, 2026
Instrument	8150346
Transaction Type	Transfer
Record Updated	Feb 16, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	527 CIRCLE DR, FOX LAKE, IL 60020-1902

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	527 CIRCLE DR, FOX LAKE, IL 60020-1902
Transaction Type	Mortgage
Record Updated	Mar 4, 2022
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007875540
Date	Feb 17, 2022
Instrument	7875540

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	239 Months
Due	Jan 28, 2042

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	527 CIRCLE DR, FOX LAKE, IL 60020-1902
Transaction Type	Mortgage
Record Updated	Feb 18, 2022
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007870413
Date	Feb 3, 2022
Instrument	7870413

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Jan 1, 2029
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	7.87%
Index	1-Year T-Bill
Max Rate	7.87%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	527 CIRCLE DR, FOX LAKE, IL 60020-1902
Transaction Type	Mortgage
Record Updated	Oct 21, 2021
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007825265
Date	Sep 13, 2021
Instrument	7825265

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Aug 30, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	527 CIRCLE DR, FOX LAKE, IL 60020-1902
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007425930
Date	Sep 8, 2017
Instrument	7425930

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 6, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.69%
Change Frequency	Monthly

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LAKE IL
Recording Date	Jan 27, 2020
Property Address	527 CIRCLE DR, FOX LAKE, IL 60020-1902
Document Number	0007628149
Instrument Date	Jan 15, 2020
Instrument	7628149
Transaction Type	Transfer
Record Updated	Feb 24, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,185.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	527 CIRCLE DR FOX LAKE IL 600201902, FOX LAKE, IL 60020-1902

Mortgage

Document Number	7628150
Date	Jan 27, 2020
Instrument	7628150

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 26, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Grant Township
Municipality	Fox Lake Village
Elementary School District	Big Hollow School District 38 (KG - 08)
Secondary School District	Grant Community High School District 124 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$299,567 (+7.98%) Land $66,379 Building $233,188	$898,791 (+7.98%) Land $199,157 Building $699,634
2024	$18,999.00 (-15.19%)	$277,428 (+6.15%) Land $61,473 Building $215,955	$832,367 (+6.15%) Land $184,437 Building $647,930
2023	$22,403.00 (+1.77%)	$261,354 (+4.95%) Land $57,911 Building $203,443	$784,140 (+4.95%) Land $173,750 Building $610,390
2022	$22,014.00	$249,022 Land $58,461 Building $190,561	$747,141 Land $175,401 Building $571,740

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 527 Circle Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 96 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	100 units insured incl. 4 condo units
Nearby Flood Claims	35 (2007–2026)
Claims Outside the SFHA	1 of 35
Most Recent Claim	May 2026 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 9 claims Severe Storms And Flooding, Jun 2008 · 2 claims

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

The area around 527 Circle Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 126 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless · DSL in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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