587 Cross Ct, Gurnee, IL 60031 Property Records

Lake County property record for 587 Cross Ct, Gurnee, IL 60031

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,398 sqft · built 1989
Lot Size	0.336 acres (14,649 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Jul 2020)
Tax Bill	$12,798 (2024)
Deeds & Mortgages	May 2026 Line of Credit Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-26-107-018`

Property Details

APN / Parcel Number

Primary APN	`07-26-107-018`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,398 sqft Living Area
Gross Area	4,528 sqft
1st Floor Area	1,102 sqft
2nd Floor Area	1,296 sqft
Upper Floors Area	1,296 sqft
Basement Area	1,088 sqft
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	14,649 sqft (0.336 acres)
Garage Type	Attached
Garage Area	832 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	587 CROSS CT
City	GURNEE
State	IL
Zip	60031-3251
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROVIDENCE VILLAGE PHASE II; LT 144
Legal Subdivision	PROVIDENCE VILLAGE PHASE II
Legal Phase	2
Legal Lot Number	144
Jurisdiction	LAKE IL
Township / Civil Division	WARREN
Census Block Group	1
Census Block	1005
Census Tract	861509

Owner

587 Cross Ct is owned and occupied by an individual who bought it in July 2020.

Source: Lake County records, as of June 3, 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 Record	Individual Name on File
Mailing Address	587 CROSS CT, GURNEE, IL 60031-3251
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Deed of Trust, Mortgage · Line of Credit GUARANTEED RATE, INC
Jul 13, 2020	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2020 · Amount on File
Deed Sale	Jul 13, 2020 · Amount on File
Prior Sale	Jul 13, 1994 · Amount on File
Deed Document Number	20207672822
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Recording Date	May 19, 2026
Property Address	587 CROSS CT, GURNEE, IL 60031-3251
Document Number	0008169867
Instrument Date	May 13, 2026
Instrument	20268169867
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	587 CROSS CT, GURNEE, IL 60031-3251
Investor	Possibly a Property Investor

Mortgage

Document Number	0008169867,
Date	May 19, 2026
Instrument	20268169867

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.3%
Max Rate	-1%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Jul 13, 2020
Property Address	587 CROSS CT, GURNEE, IL 60031-3251
Document Number	0007672822
Instrument Date	Jun 17, 2020
Instrument	7672822
Transaction Type	Transfer
Record Updated	Jul 31, 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	$570.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	587 CROSS CT GURNEE IL 600313251, GURNEE, IL 60031-3251

Mortgage

Document Number	7672823
Date	Jul 13, 2020
Instrument	7672823

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 12, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

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		$156,560 Land $34,592 Building $121,968	$469,727 Land $103,786 Building $365,941
2024	$12,798.00 (-0.65%)
2023	$12,882.00 (+10.51%)	$129,204 (-5.02%) Land $28,547 Building $100,657	$387,651 (-5.02%) Land $85,650 Building $302,001
2022	$11,657.00	$136,036 Land $24,960 Building $111,076	$408,148 Land $74,887 Building $333,261

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 587 Cross Ct in Zone X, an area of minimal flood risk.

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

Wildfire risk around 587 Cross Ct is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 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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