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545 E Prospect Ave, Lake Bluff, IL 60044 Property Records

Lake County property record for 545 E Prospect Ave, Lake Bluff, IL 60044

Property Summary

Property TypeSingle Family Home
Details2.5 ba · 2,802 sqft · built 1928
Lot Size0.076 acres (3,302 sqft)
Owner2 Company Names on File
Last Sale$627,500 (Jan 2001)
Tax Bill$15,033 (2024)
Deeds & MortgagesApr 2021 Mortgage
Feb 2024 Transfer
Flood ZoneZone X (minimal risk)
APN12-21-223-056

Property Details

APN / Parcel Number

Primary APN12-21-223-056

Interior

Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,802 sqft Living Area
Gross Area3,438 sqft
1st Floor Area1,753 sqft
Upper Floors Area1,049 sqft
Basement Area636 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1928
Effective Year BuiltEffective 1973
Architectural StyleConventional
Exterior MaterialWood Siding
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area3,302 sqft (0.076 acres)
Garage TypeDetached
Garage Area180 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address545 E PROSPECT AVE
CityLAKE BLUFF
StateIL
Zip60044-2615
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionVILLAGE OF LAKE BLUFF LOTS 11 & 12 BLK 17
Legal SubdivisionVILLAGE OF LAKE BLUFF
Legal Block17
Legal Lot Number11,12
JurisdictionLAKE IL
Township / Civil DivisionSHIELDS
Census Block Group2
Census Block2009
Census Tract863300

Owner

Source: Lake County records, as of April 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Company Names on File
Mailing Address545 E PROSPECT AVE, LAKE BLUFF, IL 60044-2615
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Apr 14, 2021Deed of Trust, Mortgage · Conventional Mortgage
DRAPER & KRAMER MORTGAGE CORP
Feb 23, 2024Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 5, 2001 · Amount on File
Deed SaleJan 5, 2001 · Amount on File
Prior SaleApr 7, 1998 · Amount on File
Deed Document Number20014627838
Last Transfer DateFeb 2, 2024
Transfer Doc0008021323
Record UpdatedSep 20, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE IL
Property Address545 E PROSPECT AVE, LAKE BLUFF, IL 60044-2615
Transaction TypeMortgage
Record UpdatedApr 2, 2026
Title CompanyPROPERTY TITLE, PROPER TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0007775723
DateApr 14, 2021
Instrument7775723
Lender
NameDRAPER & KRAMER MORTGAGE CORP
TypeMortgage Company
AddressDOWNERS GROVE, IL 60515
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term179 Months
DueMar 1, 2036
Interest
Rate TypeFixed Rate
Rate2.37%

February 2024: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionLAKE IL
Recording DateFeb 23, 2024
Property Address545 E PROSPECT AVE, LAKE BLUFF, IL 60044-2615
Document Number0008021323
Instrument DateFeb 2, 2024
Instrument8021323
Transaction TypeTransfer
Record UpdatedMar 4, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address545 E PROSPECT AVE, LAKE BLUFF, IL 60044-2615

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyLake County
County SubdivisionShields Township
MunicipalityLake Bluff Village
Elementary School DistrictLake Bluff Elementary School District 65 (KG - 08)
Secondary School DistrictLake Forest Community High School District 115 (09 - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$255,489 (+30.04%) Land $54,889 Building $200,600$766,543 (+30.04%) Land $164,683 Building $601,860
2024$15,033.00 (+21.85%)
2023$12,337.00 (+3.65%)$196,465 (+5.97%) Land $42,209 Building $154,256$589,454 (+5.97%) Land $126,640 Building $462,814
2022$11,902.00$185,403 Land $39,832 Building $145,571$556,265 Land $119,508 Building $436,757

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 in force
Nearby Flood Claims1 (1983)
Most Recent ClaimAug 1983 · tidal / storm surge

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 RiskNot rated
no burnable land within ember reach

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 SystemLAKE BLUFF
serves 5,600 people · EPA ID IL0970750
Water SourcePurchased surface water from several systems
Last State InspectionJul 2024
Lead5 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 303 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless · DSL · Fiber in parts of the area		100 / 20

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