Lake County property record for 659 Garfield Ave, Lake Bluff, IL 60044
| Property Type | Single Family Home |
|---|---|
| Details | 4 ba · 4,827 sqft · built 1957 |
| Lot Size | 0.228 acres (9,936 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $850,000 (Apr 2022) |
| Tax Bill | $17,149 (2024) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Sep 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-20-208-005 |
| Primary APN | 12-20-208-005 |
|---|
| Full Baths | 4 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 4,827 sqft Living Area |
| Gross Area | 5,692 sqft |
| 1st Floor Area | 2,516 sqft |
| Upper Floors Area | 916 sqft |
| Basement Area | 1,860 sqft |
| Finished Basement | 1,395 sqft |
| Unfinished Basement | 465 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 9,936 sqft (0.228 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 659 GARFIELD AVE |
|---|---|
| City | LAKE BLUFF |
| State | IL |
| Zip | 60044-2039 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VILLAGE OF LAKE BLUFF KNOLLWOOD HEIGHTS N 75FT LOT 4 BLOCK 4 |
| Legal Subdivision | VILLAGE OF LAKE BLUFF KNOLLWOOD HEIGHTS |
| Legal Block | 4 |
| Legal Lot Number | 4 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | SHIELDS |
| Census Block Group | 4 |
| Census Block | 4021 |
| Census Tract | 863202 |
659 Garfield Ave is owned and occupied by two individuals who bought it in April 2022.
Source: Lake County records, as of April 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 659 GARFIELD AVE, LAKE BLUFF, IL 60044-2039 |
| 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.
| Date | Document |
|---|---|
| Apr 14, 2022 | Deed, Transfer · Conventional Mortgage BLUELEAF LENDING LLC |
| Sep 25, 2019 | Grant Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 14, 2022 · Amount on File |
| Deed Sale | Apr 14, 2022 · Amount on File |
| Deed Document Number | 20227896965 |
| Prior Transfer Date | Aug 17, 2016 |
| Prior Transfer Doc | 0007341708 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Apr 14, 2022 |
| Property Address | 659 GARFIELD AVE, LAKE BLUFF, IL 60044-2039 |
| Document Number | 0007896965 |
| Map Reference | DOC 245698 |
| Instrument Date | Mar 28, 2022 |
| Instrument | 7896965 |
| Transaction Type | Transfer |
| Record Updated | Apr 28, 2022 |
| Title Company | LANDTRUST NATIONAL TITLE SERVICES, LANDTRUST NATIONAL TTL SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $850.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 659 GARFIELD AVE, LAKE BLUFF, IL 60044-2039 |
| Document Number | 0007896966 |
|---|---|
| Date | Apr 14, 2022 |
| Instrument | 7896966 |
| Name | BLUELEAF LENDING LLC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | Apr 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.75% |
| Index | Other |
| Margin | 3 |
| Max Rate | 7.75% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LAKE IL |
| Recording Date | Sep 25, 2019 |
| Property Address | 659 GARFIELD AVE, LAKE BLUFF, IL 60044-2039 |
| Document Number | 0007595446 |
| Instrument Date | Sep 20, 2019 |
| Instrument | 7595446 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 107 WELWYN ST LAKE BLUFF IL 600441151, LAKE BLUFF, IL 60044-1151 |
Source: Lake County assessment roll, as of April 29, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Lake County |
| County Subdivision | Shields Township |
| Municipality | Lake Bluff Village |
| Elementary School District | Lake Bluff Elementary School District 65 (KG - 08) |
| Secondary School District | Lake Forest Community High School District 115 (09 - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $285,611 Land $92,202 Building $193,409 | $856,919 Land $276,634 Building $580,285 | |
| 2024 | $17,149.00 (+9.17%) | ||
| 2023 | $15,709.00 (+3.62%) | $230,169 (+0.92%) Land $74,304 Building $155,865 | $690,576 (+0.92%) Land $222,934 Building $467,642 |
| 2022 | $15,160.00 | $228,071 Land $73,627 Building $154,444 | $684,281 Land $220,903 Building $463,378 |
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 659 Garfield Ave in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2007.
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 | 2 in force |
| Nearby Flood Claims | 5 (2007–2017) |
| Claims Outside the SFHA | 5 of 5 |
| 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.
Wildfire risk around 659 Garfield Ave 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LAKE BLUFF serves 5,600 people · EPA ID IL0970750 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jul 2024 |
| Lead | 5 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 244 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 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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