609 Lake St, Seneca, IL 61360 Property Records

LaSalle County property record for 609 Lake St, Seneca, IL 61360

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 2,244 sqft · built 2006
Lot Size	1.3 acres (56,628 sqft)
Owner	Trust Name on Record
Last Sale	$488,000 (May 2022)
Tax Bill	$10,074 (2025)
Deeds & Mortgages	Dec 2023 Construction Loan Oct 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`29-51-104-005`

Property Details

APN / Parcel Number

Primary APN	`29-51-104-005`
Alternative APN	`20-35-101-007`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,244 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Lot Area	56,628 sqft (1.3 acres)

Location & Zoning

Street Address	609 LAKE ST
City	SENECA
State	IL
Zip	61360-9445
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE RIVER DR ESTATES PHASE IV, LT 1 & LAND LYG E OF NLY EXT OF W LN LT 1 LAKE RIVER DR ESTATES PHASEIVTO WATER'S EDGE& LYG W
Legal Range	05
Legal Township	33
Legal Section	35
Legal Subdivision	LAKE RIVER DRIVE ESTATES PHASE 4
Legal Phase	4
Legal Lot Number	1
Jurisdiction	LASALLE IL
Township / Civil Division	BROOKFIELD
Census Block Group	4
Census Block	4027
Census Tract	963700

Owner

Source: LaSalle County records, as of June 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Trust Name on Record
Mailing Address	609 LAKE ST, SENECA, IL 61360-9445
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2023	Deed of Trust, Mortgage · Construction Mortgage BANK OF AMERICA
Oct 12, 2023	Intrafamily Transfer, Transfer
May 31, 2022	Warranty Deed, Transfer FIDELITY NATIONAL TITLE
Dec 17, 2020	Deed of Trust, Mortgage · Construction Mortgage WELLS FARGO BANK
Sep 26, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2022 · Amount on Record
Deed Sale	May 31, 2022 · Amount on Record
Prior Sale	Aug 12, 2005 · Amount on Record
Deed Document Number	20226998
Last Transfer Date	Sep 27, 2023
Transfer Doc	0202310642
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LASALLE IL
Property Address	609 LAKE ST, SENECA, IL 61360-9445
Transaction Type	Mortgage
Record Updated	Jan 3, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202313359
Date	Dec 14, 2023
Instrument	2023-13359

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	192 Months
Due	Jan 1, 2039

Interest

Rate Type	Adjustable Rate
Rate	7%

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LASALLE IL
Recording Date	Oct 12, 2023
Property Address	609 LAKE ST, SENECA, IL 61360-9445
Document Number	0202310642
Map Reference	DOC 2005-19163
Instrument Date	Sep 27, 2023
Instrument	2023-10642
Transaction Type	Transfer
Record Updated	Nov 1, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 LAKE ST, SENECA, IL 61360-9445

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LASALLE IL
Recording Date	May 31, 2022
Property Address	609 LAKE ST, SENECA, IL 61360-9445
Document Number	0202206998
Instrument Date	May 23, 2022
Instrument	2022-06998
Transaction Type	Transfer
Record Updated	Jun 15, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$732.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	436 E LINCOLN ST, 436, SENECA, IL 61360-9684

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 LAKE ST, SENECA, IL 61360-9445

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LASALLE IL
Property Address	609 LAKE ST, SENECA, IL 61360-9445
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202019552
Date	Dec 17, 2020
Instrument	2020-19552

Lender

Name	WELLS FARGO BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LASALLE IL
Recording Date	Sep 26, 2018
Property Address	609 LAKE ST, SENECA, IL 61360-9445
Document Number	201813055
Instrument Date	Jul 9, 2018
Instrument	201813055
Transaction Type	Transfer
Record Updated	Jun 7, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 LAKE ST, SENECA, IL 61360-9445

Tax Assessment & Valuation

Source: LaSalle County assessment roll, as of June 29, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	LaSalle County
County Subdivision	Brookfield Township
Municipality	Seneca Village
Elementary School District	Seneca Community Consolidated School District 170 (PK - 08)
Secondary School District	Seneca Township High School District 160 (09 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,074.00 (-3.81%)	$169,596 (-) Land $24,281 Building $145,315	$508,788 (-) Land $72,843 Building $435,945
2024	$10,473.00	$169,596 (+13.21%) Land $24,281 Building $145,315	$508,788 (+13.21%) Land $72,843 Building $435,945
2023		$149,807 (+15.99%) Land $21,448 Building $128,359	$449,421 (+15.99%) Land $64,344 Building $385,077
2022		$129,160 Land $19,724 Building $109,436	$387,480 Land $59,172 Building $328,308

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 March 29, 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 8 (10% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	18 (1985–2013)
Claims Outside the SFHA	12 of 18
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 4 claims Severe Storms And Flooding, Sep 2008 · 7 claims

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 93% of the US · above 42% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Kraus Electronic Systems Cable	2,500 / 50
digiMax Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

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