Lake County property record for 655 Timber Ln, Lake Forest, IL 60045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,562 sqft · built 1957 |
| Lot Size | 0.684 acres (29,799 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $675,000 (Apr 2013) |
| Tax Bill | $13,497 (2025) |
| Deeds & Mortgages | Mar 2026 Transfer Dec 2023 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-04-407-005 |
| Primary APN | 16-04-407-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,562 sqft Living Area |
| Gross Area | 4,726 sqft |
| 1st Floor Area | 2,562 sqft |
| Basement Area | 1,588 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 29,799 sqft (0.684 acres) |
| Lot Dimensions | 298 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 655 TIMBER LN |
|---|---|
| City | LAKE FOREST |
| State | IL |
| Zip | 60045-3117 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHISPERING OAKS UNIT 3 LOT 38 |
| Legal Subdivision | WHISPERING OAKS UNIT 3 |
| Legal Lot Number | 38 |
| Legal Unit | 3 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | WEST DEERFIELD |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 864602 |
Source: Lake County records, as of June 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 655 TIMBER LN, LAKE FOREST, IL 60045-3117 |
| Owner Type | Company |
| Vesting | Trust, Revocable Living Trust |
| Date | Document |
|---|---|
| Mar 6, 2026 | Intrafamily Transfer, Transfer |
| Dec 19, 2023 | Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage BAXTER CU |
| Jul 31, 2020 | Quit Claim Deed, Transfer VANDERBILT MORTGAGE & FINANCE INC |
| Mar 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BAXTER CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 18, 2013 · Amount on Record |
| Deed Sale | Apr 18, 2013 · Amount on Record |
| Prior Sale | Nov 16, 2001 · Amount on Record |
| Deed Document Number | 20136983194 |
| Last Transfer Date | Nov 27, 2023 |
| Transfer Doc | 0008011080 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Mar 6, 2026 |
| Property Address | 655 TIMBER LN, LAKE FOREST, IL 60045-3117 |
| Document Number | 0008155674 |
| Map Reference | DOC 911645 |
| Instrument Date | Jan 16, 2026 |
| Instrument | 8155674 |
| Transaction Type | Transfer |
| Record Updated | Mar 18, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 655 TIMBER LN, LAKE FOREST, IL 60045-3117 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 655 TIMBER LN, LAKE FOREST, IL 60045-3117 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Dec 19, 2023 |
| Property Address | 655 TIMBER LN, LAKE FOREST, IL 60045-3117 |
| Document Number | 0008011080 |
| Map Reference | DOC 911645 |
| Instrument Date | Nov 27, 2023 |
| Instrument | 8011080 |
| Transaction Type | Transfer |
| Record Updated | Dec 29, 2023 |
| Title Company | MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS IN |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 29657 N WAUKEGAN RD APT 310, 310, LAKE BLUFF, IL 60044-5475 |
| Name | Verified Name |
|---|---|
| Address | 655 TIMBER LN, LAKE FOREST, IL 60045-3117 |
| Document Number | 0008011081 |
|---|---|
| Date | Dec 19, 2023 |
| Instrument | 8011081 |
| Name | BAXTER CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 31, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.87% |
| Type Change Date | Dec 1, 2028 |
| Change Frequency | Monthly |
| Min Rate At Change | 4.87% |
| Max Rate At Change | 8.87% |
| Index | 1-Year T-Bill |
| Max Rate | 11.8% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Jul 31, 2020 |
| Property Address | 655 TIMBER LN, LAKE FOREST, IL 60045-3117 |
| Document Number | 0007679229 |
| Instrument Date | Jun 5, 2020 |
| Instrument | 7679229 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2020 |
| Title Company | ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 655 TIMBER LN LAKE FOREST IL 600453117, LAKE FOREST, IL 60045-3117 |
| Document Number | 7679230 |
|---|---|
| Date | Jul 31, 2020 |
| Instrument | 7679230 |
| Name | VANDERBILT MORTGAGE & FINANCE INC |
|---|---|
| Type | Bank |
| Address | ATLANTA, GA 30361 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 30, 2050 |
| Rate | 3.25% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 655 TIMBER LN, LAKE FOREST, IL 60045-3117 |
| Document Number | 0007553274 |
| Instrument Date | Mar 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2019 |
| Title Company | MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 655 TIMBER LN LAKE FOREST IL 600453117, LAKE FOREST, IL 60045-3117 |
| Document Number | 0007553274 |
|---|---|
| Date | Apr 5, 2019 |
| Instrument | 7553274 |
| Name | BAXTER CU |
|---|---|
| Type | Credit Union |
| Address | VERNON HILLS, IL 60061 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 4, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
Source: Lake County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Lake County |
| County Subdivision | West Deerfield Township |
| Municipality | Lake Forest City |
| Elementary School District | Lake Forest School District 67 (PK - 08) |
| Secondary School District | Lake Forest Community High School District 115 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,497.00 (+6.71%) | $243,032 (+10.08%) Land $109,785 Building $133,247 | $729,169 (+10.08%) Land $329,388 Building $399,781 |
| 2024 | $12,648.00 (+4.88%) | $220,774 (+4.2%) Land $99,730 Building $121,044 | $662,388 (+4.2%) Land $299,220 Building $363,168 |
| 2023 | $12,060.00 (+5.84%) | $211,875 (+2.36%) Land $95,710 Building $116,165 | $635,689 (+2.36%) Land $287,159 Building $348,530 |
| 2022 | $11,395.00 | $206,984 Land $98,885 Building $108,099 | $621,014 Land $296,685 Building $324,329 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 4 (1978–2017) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Jul 2017 · rainfall accumulation |
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 | Direct burnable vegetation |
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 | LAKE FOREST serves 19,642 people · EPA ID IL0970800 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 21 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.
Source: FCC Broadband Data Collection, based on 272 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures