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645 E Westminster, Lake Forest, IL 60045 Property Records

Lake County property record for 645 E Westminster, Lake Forest, IL 60045 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details5.5 ba · 9,990 sqft · built 1914
Lot Size2 acres (87,120 sqft)
OwnerIndividual Name on File
Last Sale$1,700,000 (Dec 1994)
Tax Bill$38,730 (2024)
Deeds & MortgagesJan 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN12-28-413-007

Property Details

APN / Parcel Number

Primary APN12-28-413-007

Interior

Full Baths5.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area9,990 sqft Living Area
Gross Area14,924 sqft
1st Floor Area4,554 sqft
Upper Floors Area5,436 sqft
AtticAttic
Attic Area3,409 sqft
Basement Area4,337 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1914
Effective Year BuiltEffective 1914
Architectural StyleCustom Design
Exterior MaterialBrick
Construction TypeFrame
Roof MaterialSlate
Lot Area87,120 sqft (2 acres)
Garage TypeAttached
Garage Area597 sqft
Parking Spaces1 Parking Space
PorchOpen Porch
Porch Area472 sqft
Tennis CourtTennis Court

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemHot Water

Location & Zoning

Street Address645 E WESTMINSTER
CityLAKE FOREST
StateIL
Zip60045-2230
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBRUCE A CAMPBELL SUB LOT 3
Legal SubdivisionBRUCE A CAMPBELL SUB
Legal Lot Number3
JurisdictionLAKE IL
Township / Civil DivisionSHIELDS
Census Block Group2
Census Block2022
Census Tract863400

Owner

Source: Lake County records · APN 12-28-413-007

Assessment roll updated April 29, 2026 · Last verified May 2026

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

Owner of RecordIndividual Name on File
Mailing Address645 E WESTMINSTER, LAKE FOREST, IL 60045-2230
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 13, 1994 · Amount on Record
Deed SaleDec 13, 1994 · Amount on Record
Deed Document Number19943625005
Last Transfer DateApr 09, 2015
Transfer Doc0007198241
Record UpdatedJun 08, 2026

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLAKE IL
Property Address645 E WESTMINSTER, LAKE FOREST, IL 60045-2230
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0007625135
DateJan 16, 2020
Instrument7625135
Lender
NameMORGAN STANLEY PRIVATE BANK NA
TypeBank
AddressCINCINNATI, OH 45245
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2050
Interest
Rate TypeAdjustable Rate
Rate2.5%
Type Change DateJan 01, 2025
Change FrequencyAnnually
Min Rate At Change2.5%
Max Rate At Change7.5%
Index1-Year LIBOR
Max Rate7.5%

Tax Assessment & Valuation

Source: Lake County records · Assessment roll updated April 29, 2026 · Last verified May 2026

Property Jurisdictions

TypeName
StateIllinois
CountyLake County
County SubdivisionShields Township
MunicipalityLake Forest City
Elementary School DistrictLake Forest School District 67 (PK - 08)
Secondary School DistrictLake Forest Community High School District 115 (09 - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$643,929 (-5.42%) Land $591,163 Building $52,766$1,931,980 (-5.42%) Land $1,773,666 Building $158,314
2024$38,730.00 (-18.95%)
2023$47,787.00 (+2.86%)$680,814 (-15.16%) Land $500,049 Building $180,765$2,042,646 (-15.16%) Land $1,500,297 Building $542,349
2022$46,457.00$802,441 Land $481,058 Building $321,383$2,407,563 Land $1,443,318 Building $964,245

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Lake County (17097C), updated February 20, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170978634002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies7 in force
Nearby Flood Claims1 (1990)
Claims Outside the SFHA1 of 1
Most Recent ClaimAug 1990, rainfall accumulation

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic DistrictWithin 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 136 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TFixed Wireless100 / 20
AT&TDSL100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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