Lake County property record for 638 Williams Ct, Gurnee, IL 60031
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,545 sqft · built 1977 |
| Lot Size | 0.09 acres (3,921 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,950 (2024) |
| Deeds & Mortgages | Nov 2021 Mortgage Mar 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-28-204-015 |
| Primary APN | 07-28-204-015 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,545 sqft Living Area |
| Gross Area | 2,699 sqft |
| 1st Floor Area | 754 sqft |
| 2nd Floor Area | 791 sqft |
| Upper Floors Area | 831 sqft |
| Basement Area | 754 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 3,921 sqft (0.09 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 638 WILLIAMS CT |
|---|---|
| City | GURNEE |
| State | IL |
| Zip | 60031-3136 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STONEYBROOK IN HEATHERRIDGE PART NEIGHBORHOOD NO 2 PHASE 2 L OT 59 |
| Legal Subdivision | HEATHERRIDGE |
| Legal Phase | 2 |
| Legal Lot Number | 59 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | WARREN |
| Census Block Group | 1 |
| Census Block | 1046 |
| Census Tract | 861603 |
638 Williams Ct is owned and occupied by an individual.
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 | 638 WILLIAMS CT, GURNEE, IL 60031-3136 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC |
| Mar 27, 2018 | Deed of Trust, Mortgage · Conventional Mortgage PERL MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 638 WILLIAMS CT, GURNEE, IL 60031-3136 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0007842490 |
|---|---|
| Date | Nov 10, 2021 |
| Instrument | 7842490 |
| Name | LOWER LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | COLUMBIA, MD 21046 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 638 WILLIAMS CT, GURNEE, IL 60031-3136 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0007472424 |
|---|---|
| Date | Mar 27, 2018 |
| Instrument | 7472424 |
| Name | PERL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
| Rate | 5% |
|---|
Source: Lake County assessment roll, as of April 29, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $98,906 (+19.3%) Land $11,119 Building $87,787 | $296,747 (+19.3%) Land $33,360 Building $263,387 | |
| 2024 | $2,950.00 (-17.53%) | ||
| 2023 | $3,577.00 (+5.95%) | $82,903 (+2%) Land $9,320 Building $73,583 | $248,734 (+2%) Land $27,963 Building $220,771 |
| 2022 | $3,376.00 | $69,086 Land $9,532 Building $59,554 | $207,279 Land $28,599 Building $178,680 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 638 Williams Ct in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1979.
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 | 2 in force |
| Nearby Flood Claims | 8 (1979–2017) |
| Claims Outside the SFHA | 4 of 8 |
| Most Recent Claim | Jul 2017 · river or lake flooding |
| Claims by Event |
|
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 risk around 638 Williams 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 89 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 |
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