Lake County property record for 645 Chip Ct, Gurnee, IL 60031
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,162 sqft · built 1976 |
| Lot Size | 0.021 acres (912 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $160,000 (Nov 2021) |
| Tax Bill | $4,625 (2024) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Mar 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-28-202-051 |
| Primary APN | 07-28-202-051 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,162 sqft Living Area |
| 1st Floor Area | 789 sqft |
| 2nd Floor Area | 373 sqft |
| Upper Floors Area | 373 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Townhouse |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 912 sqft (0.021 acres) |
| Garage Type | Detached |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 32 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 645 CHIP CT |
|---|---|
| City | GURNEE |
| State | IL |
| Zip | 60031-3113 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HEATHERRIDGE PART OF NEIGHBORHOOD NO 1 PHASE 4 U-255 |
| Legal Subdivision | HEATHERRIDGE |
| Legal Phase | 4 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | WARREN |
| Census Block Group | 1 |
| Census Block | 1056 |
| Census Tract | 861603 |
Source: Lake County records, as of April 29, 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 | 645 CHIP CT, GURNEE, IL 60031-3113 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Nov 18, 2021 | Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Mar 31, 2020 | Executor's Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 18, 2021 · Amount on Record |
| Deed Sale | Nov 18, 2021 · Amount on Record |
| Prior Sale | Mar 31, 2020 · Amount on Record |
| Deed Document Number | 20217845801 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Nov 18, 2021 |
| Property Address | 645 CHIP CT, GURNEE, IL 60031-3113 |
| Document Number | 0007845801 |
| Map Reference | DOC 1790887 |
| Instrument Date | Sep 14, 2021 |
| Instrument | 7845801 |
| Transaction Type | Transfer |
| Record Updated | Dec 1, 2021 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $160.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 645 CHIP CT, GURNEE, IL 60031-3113 |
| Document Number | 0007845802 |
|---|---|
| Date | Nov 18, 2021 |
| Instrument | 7845802 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 1, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Mar 31, 2020 |
| Property Address | 645 CHIP CT, GURNEE, IL 60031-3113 |
| Document Number | 0007644661 |
| Map Reference | DOC 1794879 |
| Instrument Date | Feb 20, 2020 |
| Instrument | 7644661 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Tax | $120.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 645 CHIP CT, GURNEE, IL 60031-3113 |
| Document Number | 0007644662 |
|---|---|
| Date | Mar 31, 2020 |
| Instrument | 7644662 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10271 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
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 | $63,023 (+17.65%) Land $8,940 Building $54,083 | $189,088 (+17.65%) Land $26,823 Building $162,265 | |
| 2024 | $4,625.00 (+13.36%) | ||
| 2023 | $4,080.00 (+18.78%) | $53,568 (+11.92%) Land $7,599 Building $45,969 | $160,720 (+11.92%) Land $22,799 Building $137,921 |
| 2022 | $3,435.00 | $47,862 Land $5,929 Building $41,933 | $143,601 Land $17,789 Building $125,812 |
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.
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.
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 | 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 257 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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