644 Valley Rd, Lake Forest, IL 60045 Property Records

Lake County property record for 644 Valley Rd, Lake Forest, IL 60045

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,162 sqft · built 1986
Lot Size	0.38 acres (16,559 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,650,000 (Aug 2026)
Tax Bill	$17,833 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`16-04-310-031`

Property Details

APN / Parcel Number

Primary APN	`16-04-310-031`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	3,162 sqft Living Area
Gross Area	4,886 sqft
1st Floor Area	1,802 sqft
2nd Floor Area	1,360 sqft
Upper Floors Area	1,360 sqft
Basement Area	653 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	16,559 sqft (0.38 acres)
Garage Type	Attached
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Porch Area	255 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	644 VALLEY RD
City	LAKE FOREST
State	IL
Zip	60045-2979
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROBERT W KENDLERS PONDS SUB LOT 139 & 1/156 INTEREST IN OUTLOTS A-B-C & D
Legal Subdivision	ROBERT W KENDLERS PONDS SUB
Legal Block	C
Legal Lot Number	139,1
Jurisdiction	LAKE IL
Township / Civil Division	WEST DEERFIELD
Census Block Group	1
Census Block	1022
Census Tract	864602

Owner

Source: Lake County records, as of September 1, 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 Record
Mailing Address	644 VALLEY RD, LAKE FOREST, IL 60045-2979
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2026 · Amount on Record
Deed Sale	Aug 14, 2026 · Amount on Record
Prior Sale	Jun 10, 1996 · Amount on Record
Deed Document Number	20268188449
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Aug 14, 2026
Property Address	644 VALLEY RD, LAKE FOREST, IL 60045-2979
Document Number	0008188449
Instrument Date	Jun 11, 2026
Instrument	20268188449
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	PROPER TITLE LLC, PROPER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$249,975.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	644 VALLEY RD, LAKE FOREST, IL 60045-2979

Mortgage

Document Number	0008188450,
Date	Aug 14, 2026
Instrument	20268188450

Lender

Name	WINTRUST MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	West Deerfield Township
Municipality	Lake Forest City
Elementary School District	Lake Forest School District 67 (PK - 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	$17,833.00 (+1.54%)	$326,033 (+14.71%) Land $103,019 Building $223,014	$978,197 (+14.71%) Land $309,088 Building $669,109
2024	$17,563.00 (+18.69%)
2023	$14,797.00 (+3.71%)	$284,234 (+10.34%) Land $89,811 Building $194,423	$852,787 (+10.34%) Land $269,460 Building $583,327
2022	$14,268.00	$257,595 Land $96,698 Building $160,897	$772,862 Land $290,123 Building $482,739

Assessed value is set for property tax purposes, not a market price estimate; it is 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	4 (1978–2017)
Claims Outside the SFHA	2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 FOREST serves 19,642 people · EPA ID IL0970800
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	21 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 219 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