Lake County property record for 645 E Illinois Rd, Lake Forest, IL 60045
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,566 sqft · built 1993 |
| Lot Size | 0.26 acres (11,304 sqft) |
| Owner | 2 Trust Names on Record |
| Last Sale | $747,000 (Jul 2013) |
| Tax Bill | $19,537 (2024) |
| Deeds & Mortgages | Mar 2022 Mortgage Nov 2025 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-33-408-048 |
| Primary APN | 12-33-408-048 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,566 sqft Living Area |
| Gross Area | 4,686 sqft |
| 1st Floor Area | 1,512 sqft |
| Upper Floors Area | 1,354 sqft |
| Basement Area | 1,400 sqft |
| Finished Basement | 700 sqft |
| Unfinished Basement | 700 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 11,304 sqft (0.26 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 645 E ILLINOIS RD |
|---|---|
| City | LAKE FOREST |
| State | IL |
| Zip | 60045-2401 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KONRADTS RESUB LOT 102 |
| Legal Subdivision | KONRADTS RESUB |
| Legal Lot Number | 102 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | SHIELDS |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 863400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Lake Forest Historic District listed 1978 · 590 contributing resources · NRIS 78001161 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 Trust Names on Record |
|---|---|
| Mailing Address | 645 E ILLINOIS RD, LAKE FOREST, IL 60045-2401 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Mar 24, 2022 | Deed of Trust, Mortgage · Conventional Mortgage GOLD COAST BANK |
| Nov 12, 2025 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Jan 24, 2017 | Deed of Trust, Mortgage · ARM GOLD COAST BANK (CHICAGO IL) |
| Jan 24, 2017 | Deed of Trust, Mortgage · Line of Credit GOLD COAST BANK (CHICAGO IL) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 10, 2013 · Amount on Record |
| Deed Sale | Jul 10, 2013 · Amount on Record |
| Prior Sale | Dec 27, 2006 · Amount on Record |
| Deed Document Number | 20137012345 |
| Prior Transfer Date | Mar 11, 2012 |
| Prior Transfer Doc | 0006980394 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 645 E ILLINOIS RD, LAKE FOREST, IL 60045-2401 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0007890054 |
|---|---|
| Date | Mar 24, 2022 |
| Instrument | 7890054 |
| Name | GOLD COAST BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2042 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 645 E ILLINOIS RD, LAKE FOREST, IL 60045-2401 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 645 E ILLINOIS RD, LAKE FOREST, IL 60045-2401 |
| Document Number | 0008134200 |
|---|---|
| Date | Nov 12, 2025 |
| Instrument | 8134200 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | CAMPBELL, CA 95008 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 645 E ILLINOIS RD, LAKE FOREST, IL 60045-2401 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0007367164 |
|---|---|
| Date | Jan 24, 2017 |
| Instrument | 7367164 |
| Name | GOLD COAST BANK (CHICAGO IL) |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60610 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Feb 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.62% |
| Index | 1-Year LIBOR |
| Max Rate | 8.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 645 E ILLINOIS RD, LAKE FOREST, IL 60045-2401 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0007367165 |
|---|---|
| Date | Jan 24, 2017 |
| Instrument | 7367165 |
| Name | GOLD COAST BANK (CHICAGO IL) |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60610 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Lake County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Lake County |
| County Subdivision | Shields 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $371,704 (+32.52%) Land $130,934 Building $240,770 | $1,115,223 (+32.52%) Land $392,841 Building $722,382 | |
| 2024 | $19,537.00 (+21.42%) | ||
| 2023 | $16,090.00 (+2.87%) | $280,489 (+2.94%) Land $98,804 Building $181,685 | $841,552 (+2.94%) Land $296,442 Building $545,110 |
| 2022 | $15,641.00 | $272,482 Land $95,983 Building $176,499 | $817,528 Land $287,978 Building $529,550 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 74% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 122 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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