Lake County property record for 644 Clover Rd, Wauconda, IL 60084
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 999 sqft · built 1961 |
| Lot Size | 0.186 acres (8,093 sqft) |
| Owner | Individual Name on File |
| Last Sale | $168,500 (Mar 2020) |
| Tax Bill | $6,146 (2024) |
| Deeds & Mortgages | Feb 2022 Transfer Mar 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-26-105-013 |
| Primary APN | 09-26-105-013 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 999 sqft Living Area |
| Gross Area | 1,998 sqft |
| 1st Floor Area | 999 sqft |
| Basement Area | 999 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1961 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 8,093 sqft (0.186 acres) |
| Garage Type | Detached |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 250 sqft |
| Patio Area | 250 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 644 CLOVER RD |
|---|---|
| City | WAUCONDA |
| State | IL |
| Zip | 60084-1113 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LARKDALE UNIT NO. 5 LOT 9 BLOCK 8 |
| Legal Subdivision | LARKDALE UNIT NO. 5 |
| Legal Block | 8 |
| Legal Lot Number | 9 |
| Legal Unit | 5 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | WAUCONDA |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 864204 |
644 Clover Rd is owned and occupied by an individual who acquired it in February 2022.
Source: Lake County records, as of April 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 644 CLOVER RD, WAUCONDA, IL 60084-1113 |
| 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.
| Date | Document |
|---|---|
| Feb 16, 2022 | Transfer on Death Deed, Transfer FIRST AMERICAN TITLE |
| Mar 5, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage US MORTGAGE FUNDING INC |
| Jun 19, 2017 | Loan Modification, Mortgage · Line of Credit GERMAN AM CAP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 5, 2020 · Amount on File |
| Deed Sale | Mar 5, 2020 · Amount on File |
| Prior Sale | Oct 3, 2013 · Amount on File |
| Deed Document Number | 20207638826 |
| Last Transfer Date | Feb 16, 2022 |
| Transfer Doc | 0007875367 |
| Record Updated | Sep 20, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Feb 16, 2022 |
| Property Address | 644 CLOVER RD, WAUCONDA, IL 60084-1113 |
| Document Number | 0007875367 |
| Map Reference | DOC 1103572 |
| Instrument Date | Feb 16, 2022 |
| Instrument | 7875367 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 644 CLOVER RD, 644, WAUCONDA, IL 60084-1113 |
| Name | Verified Name |
|---|---|
| Address | 644 CLOVER RD, WAUCONDA, IL 60084-1113 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Mar 5, 2020 |
| Property Address | 644 CLOVER RD, WAUCONDA, IL 60084-1113 |
| Document Number | 0007638826 |
| Map Reference | DOC 1103572 |
| Instrument Date | Feb 5, 2020 |
| Instrument | 7638826 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 5, 2022 |
| Title Company | CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $168.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 644 CLOVER RD, WAUCONDA, IL 60084-1113 |
| Document Number | 0007638827 |
|---|---|
| Date | Mar 5, 2020 |
| Instrument | 7638827 |
| Name | US MORTGAGE FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2050 |
| Rate | 3.62% |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Jun 19, 2017 |
| Property Address | 644 CLOVER RD, WAUCONDA, IL 60084-1113 |
| Instrument Date | Jun 9, 2017 |
| Instrument | 7403858 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2018 |
| Title Company | SERVICELINK |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 909 N SEPULVEDA BLVD #840 EL SEGUNDO CA 902452718, 840, EL SEGUNDO, CA 90245-2718 |
| Document Number | 0007403858 |
|---|---|
| Date | Jun 19, 2017 |
| Instrument | 7403858 |
| Name | GERMAN AM CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | 60 WALL ST # 10TH, NEW YORK, NY 10005-2836 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
Source: Lake County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Lake County |
| County Subdivision | Wauconda Township |
| Municipality | Wauconda Village |
| Unified School District | Wauconda Community Unit School District 118 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $82,297 Land $14,856 Building $67,441 | $246,915 Land $44,572 Building $202,343 | |
| 2024 | $6,146.00 (+11.66%) | ||
| 2023 | $5,504.00 (-10.36%) | $64,064 (+13.49%) Land $11,565 Building $52,499 | $192,211 (+13.49%) Land $34,698 Building $157,513 |
| 2022 | $6,140.00 | $56,450 Land $14,088 Building $42,362 | $169,367 Land $42,268 Building $127,099 |
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.
FEMA maps place 644 Clover Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 | 5 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.
The area around 644 Clover Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | WAUCONDA serves 15,349 people · EPA ID IL0971850 |
|---|---|
| Water Source | Purchased surface water from CENTRAL LAKE COUNTY JAWA |
| Last State Inspection | Mar 2026 |
| Lead | 10 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 422 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 · Fiber in parts of the area | 100 / 20 |
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