Lake County property record for 550 Smith Ave, Lake Bluff, IL 60044
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,210 sqft · built 1932 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $310,000 (Oct 2022) |
| Tax Bill | $7,028 (2024) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Dec 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-18-400-023 |
| Primary APN | 12-18-400-023 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,210 sqft Living Area |
| Gross Area | 3,543 sqft |
| 1st Floor Area | 877 sqft |
| Upper Floors Area | 1,333 sqft |
| Basement Area | 877 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1932 |
|---|---|
| Effective Year Built | Effective 1932 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 456 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 96 sqft |
| Cooling System | None |
|---|---|
| Heating System | Hot Water |
| Street Address | 550 SMITH AVE |
|---|---|
| City | LAKE BLUFF |
| State | IL |
| Zip | 60044-1717 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT W 25 AC S1/2 S1/2 SE LYG W OF CEN LN SKOKIE HWY;BEG ON S LN N 10 AC S 15 AC W 25 AC WH IS 348W OF W ROW LN SD HWY,NA T RA 50,NW137,S154.24 TO S LN SD N 10 AC S 15 AC WH IS 75 |
| Legal Range | 12E |
| Legal Township | 44N |
| Legal Section | 18 |
| Legal Subdivision | BEG ON S LN |
| Jurisdiction | LAKE IL |
| Township / Civil Division | SHIELDS |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 863202 |
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 | 550 SMITH AVE, LAKE BLUFF, IL 60044-1717 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 20, 2022 | Deed, Transfer · Conventional Mortgage GREENSTATE CU |
| Dec 22, 2021 | Intrafamily Transfer, Transfer ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 20, 2022 · Amount on Record |
| Deed Sale | Oct 20, 2022 · Amount on Record |
| Deed Document Number | 20227939615 |
| Prior Transfer Date | Dec 7, 2021 |
| Prior Transfer Doc | 0007856508 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Oct 20, 2022 |
| Property Address | 550 SMITH AVE, LAKE BLUFF, IL 60044-1717 |
| Document Number | 0007939615 |
| Instrument Date | Sep 17, 2022 |
| Instrument | 7939615 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $310.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 550 SMITH AVE, LAKE BLUFF, IL 60044-1717 |
| Document Number | 0007939616 |
|---|---|
| Date | Oct 20, 2022 |
| Instrument | 7939616 |
| Name | GREENSTATE CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.99% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Dec 22, 2021 |
| Property Address | 550 SMITH AVE, LAKE BLUFF, IL 60044-1717 |
| Document Number | 0007856508 |
| Instrument Date | Dec 7, 2021 |
| Instrument | 7856508 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 550 SMITH AVENUE, GURNEE, IL 60031 |
Source: Lake County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Lake County |
| County Subdivision | Shields Township |
| Elementary School District | Lake Bluff Elementary School District 65 (KG - 08) |
| Secondary School District | Lake Forest Community High School District 115 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $135,647 (+29.48%) Land $21,713 Building $113,934 | $406,982 (+29.48%) Land $65,146 Building $341,836 | |
| 2024 | $7,028.00 (+11.31%) | ||
| 2023 | $6,314.00 (+2.15%) | $104,763 (+6.98%) Land $16,769 Building $87,994 | $314,320 (+6.97%) Land $50,312 Building $264,008 |
| 2022 | $6,181.00 | $97,932 Land $15,675 Building $82,257 | $293,826 Land $47,030 Building $246,796 |
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 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 4 (2017) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Jul 2017 · rainfall accumulation |
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 80% of the US · above 71% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAKE BLUFF serves 5,600 people · EPA ID IL0970750 |
|---|---|
| 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, 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.
Source: FCC Broadband Data Collection, based on 248 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 Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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