643 Seneca St, Volo (Round Lake), IL 60073 Property Records

Lake County property record for 643 Seneca St, Volo, IL 60073

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,914 sqft · built 2014
Lot Size	0.217 acres (9,457 sqft)
Owner	Company Name on Record
Last Sale	$425,000 (Aug 2022)
Tax Bill	$12,634 (2025)
Deeds & Mortgages	Mar 2026 Sale Nov 2024 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-02-401-012`

Property Details

APN / Parcel Number

Primary APN	`09-02-401-012`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	2,914 sqft Living Area
Gross Area	5,023 sqft
1st Floor Area	1,484 sqft
2nd Floor Area	1,430 sqft
Upper Floors Area	1,696 sqft
Basement Area	1,480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	9,457 sqft (0.217 acres)
Garage Type	Attached
Garage Area	629 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	643 SENECA ST
City	VOLO
State	IL
Zip	60073-8194
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANCASTER FALLS SOUTH PARCEL SUB;LOT 21
Legal Subdivision	LANCASTER FALLS SOUTH PARCEL SUB
Legal Lot Number	21
Jurisdiction	LAKE IL
Township / Civil Division	WAUCONDA
Census Block Group	2
Census Block	2020
Census Tract	864207

Owner

Source: Lake County records, as of October 19, 2026

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

Owner of Record	Company Name on Record
Mailing Address	PO BOX 579, WAUCONDA, IL 60084-0579
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2026	Deed, Transfer ATTORNEY ONLY, ATTORNEY
Nov 7, 2024	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jul 21, 2017	Deed of Trust, Mortgage · FHA Mortgage PERL MORTGAGE INC
Aug 9, 2022	Warranty Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE
Sep 9, 2021	Warranty Deed, Transfer · Conventional Mortgage PROPER RATE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2022 · Amount on Record
Deed Sale	Aug 9, 2022 · Amount on Record
Prior Sale	Sep 9, 2021 · Amount on Record
Deed Document Number	20227925181
Last Transfer Date	Oct 2, 2024
Transfer Doc	0008065884
Record Updated	Oct 29, 2026

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LAKE IL
Recording Date	Mar 17, 2026
Property Address	643 SENECA ST, VOLO, IL 60073-8194
Document Number	0008157466
Map Reference	DOC 6094611
Instrument Date	Feb 12, 2026
Instrument	8157466
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27320 N WILLIAMS PARK RD, WAUCONDA, IL 60084-1601
Investor	Possibly a Property Investor

November 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE IL
Recording Date	Nov 7, 2024
Property Address	643 SENECA ST, VOLO, IL 60073-8194
Document Number	0008065884
Instrument Date	Oct 2, 2024
Instrument	8065884
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27320 N WILLIAMS PARK RD, LAKE BARRINGTON, IL 60084-1601

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	643 SENECA ST, VOLO, IL 60073-8194
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007413260
Date	Jul 21, 2017
Instrument	7413260

Lender

Name	PERL MORTGAGE INC
Type	Mortgage Company
Address	CHICAGO, IL 60618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

Interest

Rate	3.87%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Aug 9, 2022
Property Address	643 SENECA ST, VOLO, IL 60073-8194
Document Number	0007925181
Map Reference	DOC 6094611
Instrument Date	Jul 29, 2022
Instrument	7925181
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Tax	$425.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	27320 N WILLIAMS PARK RD, WAUCONDA, IL 60084-1601

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Sep 9, 2021
Property Address	643 SENECA ST, VOLO, IL 60073-8194
Document Number	0007824353
Map Reference	DOC 6094611
Instrument Date	Jul 2, 2021
Instrument	7824353
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$405.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	643 SENECA ST, VOLO, IL 60073-8194

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	643 SENECA ST, VOLO, IL 60073-8194

Mortgage

Document Number	0007824354
Date	Sep 9, 2021
Instrument	7824354

Lender

Name	PROPER RATE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Wauconda Township
Municipality	Volo Village
Unified School District	Wauconda Community Unit School District 118 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,634.00 (+1.95%)	$145,392 (+6.75%) Land $24,857 Building $120,535	$436,219 (+6.75%) Land $74,578 Building $361,641
2024	$12,392.00 (-0.91%)	$136,198 (+9.4%) Land $23,285 Building $112,913	$408,635 (+9.4%) Land $69,862 Building $338,773
2023	$12,506.00 (+20.19%)	$124,495 (+5.97%) Land $21,284 Building $103,211	$373,522 (+5.97%) Land $63,858 Building $309,664
2022	$10,405.00	$117,486 Land $21,950 Building $95,536	$352,494 Land $65,857 Building $286,637

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 February 20, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VOLO serves 6,629 people · EPA ID IL0971770
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	Barium resolved · Jan 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	22 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 201 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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