Lake County property record for 648 White Ct, Gurnee, IL 60031
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,785 sqft · built 1977 |
| Lot Size | 0.081 acres (3,513 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $372,000 (Oct 2025) |
| Tax Bill | $8,316 (2024) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-28-204-047 |
| Primary APN | 07-28-204-047 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,785 sqft Living Area |
| Gross Area | 2,939 sqft |
| 1st Floor Area | 994 sqft |
| 2nd Floor Area | 791 sqft |
| Upper Floors Area | 831 sqft |
| Basement Area | 754 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 3,513 sqft (0.081 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 48 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 648 WHITE CT |
|---|---|
| City | GURNEE |
| State | IL |
| Zip | 60031-3137 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STONEYBROOK IN HEATHERRIDGE PART NEIGHBORHOOD NO 2 PHASE 2 L OT 36 |
| Legal Subdivision | HEATHERRIDGE |
| Legal Phase | 2 |
| Legal Lot Number | 36 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | WARREN |
| Census Block Group | 1 |
| Census Block | 1056 |
| Census Tract | 861603 |
648 White Ct is owned and occupied by two individuals who bought it in October 2025.
Source: Lake County records, as of April 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 648 WHITE CT, GURNEE, IL 60031-3137 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Oct 14, 2025 | Warranty Deed, Transfer · Conventional Mortgage SECURITY NATIONAL MORTGAGE CO |
| Sep 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 14, 2025 · Amount on File |
| Deed Sale | Oct 14, 2025 · Amount on File |
| Prior Sale | Aug 4, 2014 · Amount on File |
| Deed Document Number | 20258127917 |
| Prior Transfer Date | Feb 1, 1995 |
| Prior Transfer Doc | 0003641735 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Oct 14, 2025 |
| Property Address | 648 WHITE CT, GURNEE, IL 60031-3137 |
| Document Number | 0008127917 |
| Map Reference | MB 61 PG 16 |
| Instrument Date | Aug 8, 2025 |
| Instrument | 8127917 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2025 |
| Title Company | UNKNOWN, CT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $372.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 648 WHITE CT, GURNEE, IL 60031-3137 |
| Document Number | 0008127918 |
|---|---|
| Date | Oct 14, 2025 |
| Instrument | 8127918 |
| Name | SECURITY NATIONAL MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 1, 2055 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 648 WHITE CT, GURNEE, IL 60031-3137 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|
| Document Number | 0007699398 |
|---|---|
| Date | Sep 28, 2020 |
| Instrument | 7699398 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Mortgage Company |
| Address | LOMBARD, IL 60148 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.87% |
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 | $107,842 (+10.76%) Land $11,119 Building $96,723 | $323,558 (+10.76%) Land $33,360 Building $290,198 | |
| 2024 | $8,316.00 (+22.56%) | $97,362 (+7.71%) Land $10,039 Building $87,323 | $292,115 (+7.71%) Land $30,120 Building $261,995 |
| 2023 | $6,785.00 (+15.63%) | $90,392 (+19.55%) Land $9,320 Building $81,072 | $271,203 (+19.55%) Land $27,963 Building $243,240 |
| 2022 | $5,868.00 | $75,613 Land $9,532 Building $66,081 | $226,862 Land $28,599 Building $198,263 |
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 648 White Ct in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1979.
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.
Wildfire risk around 648 White Ct is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 86% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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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