604 Roberts Rd, Winthrop Harbor, IL 60096 Property Records

Lake County property record for 604 Roberts Rd, Winthrop Harbor, IL 60096

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,448 sqft · built 1989
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on File
Last Sale	$213,500 (Jun 2018)
Tax Bill	$9,183 (2024)
Deeds & Mortgages	Jul 2021 Mortgage Jun 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-09-101-049`

Property Details

APN / Parcel Number

Primary APN	`04-09-101-049`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,448 sqft Living Area
Gross Area	4,698 sqft
1st Floor Area	1,370 sqft
2nd Floor Area	1,078 sqft
Upper Floors Area	1,078 sqft
Basement Area	1,370 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	17,860 sqft (0.41 acres)
Garage Type	Attached
Garage Area	736 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Porch Area	144 sqft
Deck Area	736 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	604 ROBERTS RD
City	WINTHROP HARBOR
State	IL
Zip	60096-1093
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARBOR HIGHLANDS SUB LOT 30
Legal Subdivision	HARBOR HIGHLANDS SUB
Legal Lot Number	30
Jurisdiction	LAKE IL
Township / Civil Division	BENTON
Census Block Group	3
Census Block	3021
Census Tract	860103

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 Record	2 Individual Names on File
Mailing Address	604 ROBERTS RD, WINTHROP HARBOR, IL 60096-1093
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2021	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT COM LLC
Jun 21, 2018	Warranty Deed, Transfer · Conventional Mortgage CONSUMERS CU
Jun 21, 2017	Warranty Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2018 · Amount on File
Deed Sale	Jun 21, 2018 · Amount on File
Prior Sale	Jun 21, 2017 · Amount on File
Deed Document Number	20187492675
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	604 ROBERTS RD, WINTHROP HARBOR, IL 60096-1093
Transaction Type	Mortgage
Record Updated	Sep 9, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007810305
Date	Jul 21, 2021
Instrument	7810305

Lender

Name	LOANDEPOT COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Jun 21, 2018
Property Address	604 ROBERTS RD, WINTHROP HARBOR, IL 60096-1093
Document Number	0007492675
Instrument Date	Jun 4, 2018
Instrument	7492675
Transaction Type	Transfer
Record Updated	Mar 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	$320.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	604 ROBERTS ROAD WINTHROP WINTHROP HARBOR IL 60096, WINTHROP HARBOR, IL 60096

Mortgage

Document Number	7492676
Date	Jun 21, 2018
Instrument	7492676

Lender

Name	CONSUMERS CU
Type	Credit Union
Address	GURNEE, IL 60031-1811

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 20, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Jun 21, 2017
Property Address	604 ROBERTS RD, WINTHROP HARBOR, IL 60096-1093
Document Number	0007404735
Instrument Date	Jun 6, 2017
Instrument	7404735
Transaction Type	Transfer
Record Updated	Jul 4, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$234.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3106 SUNSET AVE WAUKEGAN IL 600873434, WAUKEGAN, IL 60087-3434

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Benton Township
Municipality	Winthrop Harbor Village
Elementary School District	Winthrop Harbor School District 1 (PK - 08)
Secondary School District	Zion-Benton Township High School District 126 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$120,065 (+17.89%) Land $11,390 Building $108,675	$360,231 (+17.89%) Land $34,173 Building $326,058
2024	$9,183.00 (+24.04%)
2023	$7,403.00 (+8.71%)	$101,841 (+22.9%) Land $10,032 Building $91,809	$305,554 (+22.9%) Land $30,099 Building $275,455
2022	$6,810.00	$82,863 Land $9,784 Building $73,079	$248,614 Land $29,355 Building $219,259

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1986)
Most Recent Claim	Sep 1986 · Severe Storms & Flooding

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 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 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	WINTHROP HARBOR serves 6,565 people · EPA ID IL0971950
Water Source	Purchased surface water from LAKE COUNTY PUBLIC WATER DISTRICT
Last State Inspection	Apr 2025
Lead	5 ppb (2026) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	16 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 198 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

May also be available: AT&T.

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