Lake County property record for 655 Surf Ter, Wauconda, IL 60084
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 1,036 sqft · built 1962 |
| Lot Size | 0.148 acres (6,443 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $176,500 (Jan 2018) |
| Tax Bill | $7,692 (2024) |
| Deeds & Mortgages | Jan 2018 Sale & Mortgage Sep 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-26-101-004 |
| Primary APN | 09-26-101-004 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,036 sqft Living Area |
| Gross Area | 1,998 sqft |
| 1st Floor Area | 1,036 sqft |
| Basement Area | 962 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 6,443 sqft (0.148 acres) |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 100 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Water Source | Commercial |
| Street Address | 655 SURF TER |
|---|---|
| City | WAUCONDA |
| State | IL |
| Zip | 60084-1143 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LARKDALE UNIT NO. 5 LOT 52 BLOCK 6 |
| Legal Subdivision | LARKDALE UNIT NO. 5 |
| Legal Block | 6 |
| Legal Lot Number | 52 |
| Legal Unit | 5 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | WAUCONDA |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 864204 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 655 SURF TER, WAUCONDA, IL 60084-1143 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jan 5, 2018 | Warranty Deed, Transfer · Conventional Mortgage KEY MORTGAGE SERVICES INC |
| Sep 25, 2017 | Warranty Deed, Transfer HERITAGE TITLE COMPANY, HERITAGE TITLE CO. |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 5, 2018 · Amount on Record |
| Deed Sale | Jan 5, 2018 · Amount on Record |
| Prior Sale | Sep 25, 2017 · Amount on Record |
| Deed Document Number | 20187455704 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Jan 5, 2018 |
| Property Address | 655 SURF TER, WAUCONDA, IL 60084-1143 |
| Document Number | 0007455704 |
| Map Reference | DOC1103572 |
| Instrument Date | Dec 29, 2017 |
| Instrument | 7455704 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2022 |
| Title Company | HERITAGE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $176.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 655 SURF TER, WAUCONDA, IL 60084-1143 |
| Document Number | 0007455705 |
|---|---|
| Date | Jan 5, 2018 |
| Instrument | 7455705 |
| Name | KEY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Number | 0007455706 |
|---|---|
| Date | Jan 5, 2018 |
| Instrument | 7455706 |
| Name | ILLINOIS HOUSING DEVELOPMENT AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | CHICAGO, IL 60611 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Sep 25, 2017 |
| Property Address | 655 SURF TER, WAUCONDA, IL 60084-1143 |
| Document Number | 0007430260 |
| Instrument Date | Sep 20, 2017 |
| Instrument | 7430260 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2017 |
| Title Company | HERITAGE TITLE COMPANY, HERITAGE TITLE CO. |
| Amount | Amount Recorded |
|---|---|
| Tax | $189.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4015 LONGACNE LN ISLAND LAKE IL 60042, ISLAND LAKE, IL 60042 |
Source: Lake County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Lake County |
| County Subdivision | Wauconda Township |
| Municipality | Wauconda Village |
| Unified School District | Wauconda Community Unit School District 118 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $100,851 (+28.46%) Land $11,826 Building $89,025 | $302,584 (+28.46%) Land $35,482 Building $267,102 | |
| 2024 | $7,692.00 (+14.31%) | ||
| 2023 | $6,729.00 (+4.91%) | $78,505 (+16%) Land $9,205 Building $69,300 | $235,539 (+16%) Land $27,618 Building $207,921 |
| 2022 | $6,414.00 | $67,676 Land $11,215 Building $56,461 | $203,048 Land $33,648 Building $169,400 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 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.
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 | 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 | WAUCONDA serves 15,349 people · EPA ID IL0971850 |
|---|---|
| Water Source | Purchased surface water from CENTRAL LAKE COUNTY JAWA |
| Last State Inspection | Mar 2026 |
| Lead | 10 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 422 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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