654 White Ct, Gurnee, IL 60031 Property Records

Lake County property record for 654 White Ct, Gurnee, IL 60031

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,785 sqft · built 1977
Lot Size	0.09 acres (3,936 sqft)
Owner	Individual Name on File
Last Sale	$277,000 (Aug 2022)
Tax Bill	$9,060 (2024)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-28-204-044`

Property Details

APN / Parcel Number

Primary APN	`07-28-204-044`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
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

Exterior

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	3,936 sqft (0.09 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	654 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 33
Legal Subdivision	HEATHERRIDGE
Legal Phase	2
Legal Lot Number	33
Jurisdiction	LAKE IL
Township / Civil Division	WARREN
Census Block Group	1
Census Block	1056
Census Tract	861603

Owner

654 White Ct is owned and occupied by an individual who bought it in August 2022.

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

Owner of Record	Individual Name on File
Mailing Address	654 WHITE CT, GURNEE, IL 60031-3137
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2022 · Amount on File
Deed Sale	Aug 31, 2022 · Amount on File
Prior Sale	May 16, 2003 · Amount on File
Deed Document Number	20227930082
Prior Transfer Date	Apr 3, 2014
Prior Transfer Doc	0007090428
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Aug 31, 2022
Property Address	654 WHITE CT, GURNEE, IL 60031-3137
Document Number	0007930082
Map Reference	DOC 1853143
Instrument Date	Aug 5, 2022
Instrument	7930082
Transaction Type	Transfer
Record Updated	Sep 12, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$277.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 WHITE CT, GURNEE, IL 60031-3137

Mortgage

Document Number	0007930083
Date	Aug 31, 2022
Instrument	7930083

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.87%

Tax Assessment & Valuation

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$107,842 Land $11,119 Building $96,723	$323,558 Land $33,360 Building $290,198
2024	$9,060.00 (+22.93%)
2023	$7,370.00 (+14.8%)	$90,392 (+19.55%) Land $9,320 Building $81,072	$271,203 (+19.55%) Land $27,963 Building $243,240
2022	$6,420.00	$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.

Flood

FEMA maps place 654 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	Severe Storms & Flooding, Sep 1986 · 3 claims

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

The area around 654 White Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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