535 Cross Rd, Gurnee, IL 60031 Property Records

Lake County property record for 535 Cross Rd, Gurnee, IL 60031

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,688 sqft · built 1989
Lot Size	0.236 acres (10,285 sqft)
Owner	2 Individual Names on Record
Last Sale	$380,000 (Oct 2020)
Tax Bill	$11,771 (2024)
Deeds & Mortgages	Oct 2020 Sale Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-26-104-041`

Property Details

APN / Parcel Number

Primary APN	`07-26-104-041`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,688 sqft Living Area
Gross Area	4,414 sqft
1st Floor Area	1,203 sqft
2nd Floor Area	1,485 sqft
Upper Floors Area	1,499 sqft
Basement Area	1,012 sqft
Game Room	Game Room
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	10,285 sqft (0.236 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Patio Area	372 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	535 CROSS RD
City	GURNEE
State	IL
Zip	60031-3248
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROVIDENCE VILLAGE PHASE II; LT 175 LOT 175
Legal Subdivision	PROVIDENCE VILLAGE PHASE II
Legal Phase	2
Legal Lot Number	175
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	535 CROSS RD, GURNEE, IL 60031-3248
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2020	Warranty Deed, Transfer FIRST AMERICAN TITLE
Oct 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2020 · Amount on Record
Deed Sale	Oct 9, 2020 · Amount on Record
Deed Document Number	20207703325
Record Updated	Jun 8, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Oct 9, 2020
Property Address	535 CROSS RD, GURNEE, IL 60031-3248
Document Number	0007703325
Instrument Date	Aug 11, 2020
Instrument	7703325
Transaction Type	Transfer
Record Updated	Nov 4, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$570.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	535 CROSS RD GURNEE IL 600313248, GURNEE, IL 60031-3248

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	535 CROSS RD, GURNEE, IL 60031-3248
Document Number	0007442541
Instrument Date	Oct 27, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	535 CROSS RD GURNEE IL 600313248, GURNEE, IL 60031-3248

Mortgage

Document Number	0007442541
Date	Nov 10, 2017
Instrument	7442541

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 9, 2037

Interest

Rate Type	Fixed Rate
Rate	3.87%

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		$150,462 (+18.82%) Land $24,808 Building $125,654	$451,431 (+18.82%) Land $74,431 Building $377,000
2024	$11,771.00 (+3.97%)
2023	$11,321.00 (+10.74%)	$126,632 (+1.08%) Land $20,879 Building $105,753	$379,934 (+1.08%) Land $62,643 Building $317,291
2022	$10,223.00	$125,276 Land $18,254 Building $107,022	$375,865 Land $54,767 Building $321,098

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 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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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