615 Cavin Ave, Winthrop Harbor, IL 60096 Property Records

Lake County property record for 615 Cavin Ave, Winthrop Harbor, IL 60096

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,152 sqft · built 1997
Lot Size	0.264 acres (11,513 sqft)
Owner	Individual Name on File
Last Sale	$159,000 (Nov 1999)
Tax Bill	$7,655 (2024)
Deeds & Mortgages	Jan 2024 Mortgage Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-09-210-022`

Property Details

APN / Parcel Number

Primary APN	`04-09-210-022`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,152 sqft Living Area
Gross Area	1,776 sqft
1st Floor Area	1,152 sqft
Upper Floors Area	96 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Tri-Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Asphalt
Lot Area	11,513 sqft (0.264 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Deck Area	84 sqft
Patio Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	615 CAVIN AVE
City	WINTHROP HARBOR
State	IL
Zip	60096-1185
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CAVIN AVENUE RESUBDIVISION; LOT 4
Legal Subdivision	CAVIN AVENUE RESUBDIVISION
Legal Lot Number	4
Jurisdiction	LAKE IL
Township / Civil Division	BENTON
Census Block Group	3
Census Block	3038
Census Tract	860103

Owner

615 Cavin Ave is owned and occupied by an individual who acquired it in July 2018.

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	Individual Name on File
Mailing Address	615 CAVIN AVE, WINTHROP HARBOR, IL 60096-1185
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 18, 2018	Quit Claim Deed, Transfer · Conventional Mortgage QUICKEN LNS
Apr 27, 2005	Loan Modification, Mortgage · Conventional with PMI CITIMORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 1999 · Amount on File
Deed Sale	Nov 22, 1999 · Amount on File
Deed Document Number	19994455805
Last Transfer Date	Jul 5, 2018
Transfer Doc	0007498883
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	615 CAVIN AVE, WINTHROP HARBOR, IL 60096-1185
Transaction Type	Mortgage
Record Updated	Feb 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 CAVIN AVE, WINTHROP HARBOR, IL 60096-1185

Mortgage

Document Number	0008017092
Date	Jan 31, 2024
Instrument	8017092

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2039

Interest

Rate	5.99%

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAKE IL
Recording Date	Jul 18, 2018
Property Address	615 CAVIN AVE, WINTHROP HARBOR, IL 60096-1185
Document Number	0007498883
Instrument Date	Jul 5, 2018
Instrument	7498883
Transaction Type	Transfer
Record Updated	Aug 1, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 CAVIN AVE WINTHROP HARBOR IL 600961185, WINTHROP HARBOR, IL 60096-1185

Mortgage

Document Number	7498884
Date	Jul 18, 2018
Instrument	7498884

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 17, 2048

April 2005: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LAKE IL
Property Address	615 CAVIN AVE, WINTHROP HARBOR, IL 60096-1185
Document Number	0007442143
Instrument Date	Apr 27, 2005
Transaction Type	Mortgage
Record Updated	Nov 21, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 CAVIN AVE WINTHROP HARBOR IL 600961185, WINTHROP HARBOR, IL 60096-1185

Mortgage

Document Number	0007442143
Date	Nov 9, 2017
Instrument	7442143

Lender

Name	CITIMORTGAGE
Type	Mortgage Company
Address	FREDERICK, MD 21703

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	216 Months
Due	Nov 8, 2035

Interest

Rate Type	Fixed Rate
Rate	5.75%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	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		$92,087 Land $9,167 Building $82,920	$276,289 Land $27,504 Building $248,785
2024	$7,655.00 (+11.28%)
2023	$6,879.00 (-2.29%)	$78,816 (+14.46%) Land $8,074 Building $70,742	$236,471 (+14.46%) Land $24,224 Building $212,247
2022	$7,040.00	$68,859 Land $7,905 Building $60,954	$206,597 Land $23,717 Building $182,880

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 615 Cavin Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1986.

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

Wildfire risk around 615 Cavin Ave 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 98% of the US · lower than 86% 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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