Lake County property record for 640 Sapling Ln, Deerfield, IL 60015
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,279 sqft · built 1966 |
| Lot Size | 0.257 acres (11,199 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $485,000 (Aug 2019) |
| Tax Bill | $15,527 (2024) |
| Deeds & Mortgages | Jul 2020 Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-31-205-017 |
| Primary APN | 16-31-205-017 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,279 sqft Living Area |
| Gross Area | 3,755 sqft |
| 1st Floor Area | 1,226 sqft |
| 2nd Floor Area | 1,053 sqft |
| Upper Floors Area | 1,053 sqft |
| Basement Area | 1,056 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 11,199 sqft (0.257 acres) |
| Lot Dimensions | 140 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 196 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 640 SAPLING LN |
|---|---|
| City | DEERFIELD |
| State | IL |
| Zip | 60015-3926 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VALENTIS CLAVINIA SUB UNIT 2 LOT 41 |
| Legal Subdivision | VALENTIS CLAVINIA SUB |
| Legal Lot Number | 41 |
| Legal Unit | 2 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | WEST DEERFIELD |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 864802 |
Source: Lake County records · APN 16-31-205-017
Assessment roll updated April 29, 2026 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 640 SAPLING LN, DEERFIELD, IL 60015-3926 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Aug 26, 2019 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 26, 2019 · Amount on Record |
| Deed Sale | Aug 26, 2019 · Amount on Record |
| Deed Document Number | 20197587221 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 640 SAPLING LN, DEERFIELD, IL 60015-3926 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | TEK TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0007673432 |
|---|---|
| Date | Jul 14, 2020 |
| Instrument | 7673432 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | May 01, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Aug 26, 2019 |
| Property Address | 640 SAPLING LN, DEERFIELD, IL 60015-3926 |
| Document Number | 0007587221 |
| Map Reference | DOC 1255817 |
| Instrument Date | Aug 20, 2019 |
| Instrument | 7587221 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2022 |
| Title Company | CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $485.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 640 SAPLING LN, 640, DEERFIELD, IL 60015-3926 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 640 SAPLING LN, DEERFIELD, IL 60015-3926 |
| Document Number | 0007587222 |
|---|---|
| Date | Aug 26, 2019 |
| Instrument | 7587222 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
Source: Lake County records · Assessment roll updated April 29, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Lake County |
| County Subdivision | West Deerfield Township |
| Municipality | Deerfield Village |
| Elementary School District | Deerfield School District 109 (PK - 08) |
| Secondary School District | Township High School District 113 (09 - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $184,862 (+9.24%) Land $58,530 Building $126,332 | $554,642 (+9.24%) Land $175,608 Building $379,034 | |
| 2024 | $15,527.00 (+1.96%) | ||
| 2023 | $15,229.00 (+6.01%) | $169,221 (+1.44%) Land $53,578 Building $115,643 | $507,714 (+1.44%) Land $160,750 Building $346,964 |
| 2022 | $14,365.00 | $166,827 Land $57,547 Building $109,280 | $500,531 Land $172,658 Building $327,873 |
Source: FEMA National Flood Hazard Layer as of February 20, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 20 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 63 (1981–2019) |
| Claims Outside the SFHA | 12 of 63 |
| Most Recent Claim | Sep 2019 · rainfall accumulation |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
Based on FCC filings for 158 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | DEERFIELD serves 19,196 people |
|---|---|
| Water Source | Purchased surface water from HIGHLAND PARK |
| Last State Inspection | Oct 2025 |
| Lead | 5 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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