626 Smith Ave, Lake Bluff, IL 60044 Property Records

Lake County property record for 626 Smith Ave, Lake Bluff, IL 60044

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,848 sqft · built 1974
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (May 1996)
Tax Bill	$3,875 (2024)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-18-402-018`

Property Details

APN / Parcel Number

Primary APN	`12-18-402-018`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,848 sqft Living Area
Gross Area	2,373 sqft
1st Floor Area	902 sqft
Upper Floors Area	946 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Townhouse
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	626 SMITH AVE
City	LAKE BLUFF
State	IL
Zip	60044-1719
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BELLE GROVE SUB; E1/2 LOT 10 & E55 W234OF PC; DAFS,COM SWC OR SW SE SEC18-44-12,E553,N149.59MOL,W552.13MOL,S149.59M OL TO POB(EX S75THOF)
Legal Subdivision	BELLE GROVE SUB
Legal Lot Number	10
Jurisdiction	LAKE IL
Township / Civil Division	SHIELDS
Census Block Group	2
Census Block	2007
Census Tract	863202

Owner

626 Smith Ave is owned and occupied by an individual who bought it in May 1996.

Source: Lake County records, as of April 29, 2026

Owner of Record	Individual Name on File
Mailing Address	626 SMITH AVE, LAKE BLUFF, IL 60044-1719
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 1996 · Amount on File
Deed Sale	May 14, 1996 · Amount on File
Prior Sale	May 4, 1994 · Amount on File
Deed Document Number	19963824542
Transfer Doc	0004097728
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	626 SMITH AVE, LAKE BLUFF, IL 60044-1719
Transaction Type	Mortgage
Record Updated	Jul 29, 2021
Title Company	GREATER ILLINOIS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007793546
Date	Jun 1, 2021
Instrument	7793546

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$108,059 Land $20,395 Building $87,664	$324,209 Land $61,191 Building $263,018
2024	$3,875.00 (-10.61%)
2023	$4,335.00 (+1.1%)	$79,979 (+6.98%) Land $15,095 Building $64,884	$239,961 (+6.98%) Land $45,290 Building $194,671
2022	$4,288.00	$74,764 Land $14,110 Building $60,654	$224,314 Land $42,334 Building $181,980

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 626 Smith Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2017.

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.

Wildfire

Wildfire risk around 626 Smith Ave is low, with 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	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	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

Violations Reported to EPA

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.

Internet Providers

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