Lake County property record for 538 E Center Ave, Lake Bluff, IL 60044
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 2,590 sqft · built 1902 |
| Lot Size | 0.29 acres (12,624 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $1,195,000 (Jul 2023) |
| Tax Bill | $21,976 (2024) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-21-214-019 |
| Primary APN | 12-21-214-019 |
|---|
| Full Baths | 3 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,590 sqft Living Area |
| Gross Area | 3,006 sqft |
| 1st Floor Area | 1,543 sqft |
| Upper Floors Area | 1,047 sqft |
| Basement Area | 416 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1902 |
|---|---|
| Effective Year Built | Effective 1932 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 12,624 sqft (0.29 acres) |
| Garage Type | Detached |
| Garage Area | 484 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 330 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 538 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; (EX W 8 FT) LOT 9 ALL LOT 1 0 ALSO W 10 FT LOT 11 BLOCK 32 |
| Legal Subdivision | VILLAGE OF LAKE BLUFF NORTH ADD |
| Legal Block | 3 |
| Legal Lot Number | 1,11, |
| Jurisdiction | LAKE IL |
| Township / Civil Division | SHIELDS |
| Census Block Group | 2 |
| Census Block | 2025 |
| Census Tract | 863300 |
Source: Lake County records · APN 12-21-214-019
Assessment roll updated April 29, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 538 E CENTER AVE, LAKE BLUFF, IL 60044-2604 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jul 05, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED HOME LOANS INC |
| Jan 19, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ALLY BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 05, 2023 · Amount on Record |
| Deed Sale | Jul 05, 2023 · Amount on Record |
| Prior Sale | Aug 19, 2015 · Amount on Record |
| Deed Document Number | 20237982621 |
| Last Transfer Date | Dec 09, 2024 |
| Transfer Doc | 0008076501 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Jul 05, 2023 |
| Property Address | 538 E CENTER AVE, LAKE BLUFF, IL 60044-2604 |
| Document Number | 0007982621 |
| Map Reference | DOC 33760 |
| Instrument Date | Jun 20, 2023 |
| Instrument | 7982621 |
| Transaction Type | Transfer |
| Record Updated | Jul 14, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,195.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 538 E CENTER AVE, LAKE BLUFF, IL 60044-2604 |
| Document Number | 0007982622 |
|---|---|
| Date | Jul 05, 2023 |
| Instrument | 7982622 |
| Name | UNITED HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.12% |
| Type Change Date | Jul 01, 2030 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 11.1% |
| Index | Other |
| Margin | 3 |
| Max Rate | 11.1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 538 E CENTER AVE, LAKE BLUFF, IL 60044-2604 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0007862617 |
|---|---|
| Date | Jan 19, 2022 |
| Instrument | 7862617 |
| Name | ALLY BANK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 01, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.87% |
Source: Lake County records · Assessment roll updated April 29, 2026 · Last verified August 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 | $356,710 (+30.04%) Land $190,225 Building $166,485 | $1,070,237 (+30.04%) Land $570,732 Building $499,505 | |
| 2024 | $21,976.00 (+22.86%) | ||
| 2023 | $17,887.00 (+3.62%) | $274,302 (+5.97%) Land $146,278 Building $128,024 | $822,988 (+5.97%) Land $438,878 Building $384,110 |
| 2022 | $17,262.00 | $258,859 Land $138,043 Building $120,816 | $776,654 Land $414,170 Building $362,484 |
Source: FEMA National Flood Hazard Layer, Lake County (17097C), updated February 20, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170978633002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · 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, availability as of December 31, 2025 · sampled at 303 locations within half a mile · 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 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, 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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