649 Seneca St, Volo (Round Lake), IL 60073 Property Records

Lake County property record for 649 Seneca St, Volo, IL 60073

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,770 sqft · built 2012
Lot Size	0.242 acres (10,546 sqft)
Owner	2 Individual Names on File
Last Sale	$274,565 (Oct 2012)
Tax Bill	$1,827 (2024)
Deeds & Mortgages	Jan 2025 Second Mortgage Apr 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-02-401-013`

Property Details

APN / Parcel Number

Primary APN	`09-02-401-013`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,770 sqft Living Area
Gross Area	4,288 sqft
1st Floor Area	1,449 sqft
2nd Floor Area	1,321 sqft
Upper Floors Area	1,324 sqft
Basement Area	969 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asphalt
Lot Area	10,546 sqft (0.242 acres)
Garage Type	Attached
Garage Area	549 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	25 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	649 SENECA ST
City	VOLO
State	IL
Zip	60073-8194
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANCASTER FALLS SOUTH PARCEL SUB;LOT 20
Legal Subdivision	LANCASTER FALLS SOUTH PARCEL SUB
Legal Lot Number	20
Jurisdiction	LAKE IL
Township / Civil Division	WAUCONDA
Census Block Group	2
Census Block	2020
Census Tract	864207

Owner

649 Seneca St is owned and occupied by two individuals who bought it in October 2012.

Source: Lake County records, as of April 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	649 SENECA ST, VOLO, IL 60073-8194
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Apr 18, 2020	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2012 · Amount on File
Deed Sale	Oct 4, 2012 · Amount on File
Prior Sale	Oct 30, 2009 · Amount on File
Deed Document Number	20126905927
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	649 SENECA ST, VOLO, IL 60073-8194
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008077889
Date	Jan 16, 2025
Instrument	8077889

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Feb 1, 2035

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	649 SENECA ST, VOLO, IL 60073-8194
Document Number	0007683106
Instrument Date	Apr 18, 2020
Transaction Type	Mortgage
Record Updated	Aug 31, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	649 SENECA ST VOLO IL 600738194, VOLO, IL 60073-8194

Mortgage

Document Number	0007683106
Date	Aug 12, 2020
Instrument	7683106

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Aug 11, 2060

Interest

Rate Type	Adjustable Rate
Rate	7%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Wauconda Township
Municipality	Volo Village
Unified School District	Wauconda Community Unit School District 118 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$137,292 Land $26,511 Building $110,781	$411,917 Land $79,541 Building $332,376
2024	$1,827.00
2023		$117,560 (+5.99%) Land $22,701 Building $94,859	$352,715 (+5.99%) Land $68,110 Building $284,605
2022		$110,915 Land $23,422 Building $87,493	$332,778 Land $70,273 Building $262,505

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.

Flood

FEMA maps place 649 Seneca St in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	1 in force

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

Wildfire risk around 649 Seneca St 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 99.1% of the US · lower than 94% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	VOLO serves 6,629 people · EPA ID IL0971770
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	Barium resolved · Jan 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	22 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 201 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Seneca St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures