663 Circle Ln, Lake Forest, IL 60045 Property Records

Lake County property record for 663 Circle Ln, Lake Forest, IL 60045

Property Summary

Property Type	Single Family Home
Details	8 bd · 5.5 ba · 10,616 sqft · built 1983
Lot Size	2.43 acres (105,955 sqft)
Owner	2 Trust Names on File
Last Sale	$5,000,000 (Jan 2025)
Tax Bill	$130,085 (2024)
Deeds & Mortgages	Aug 2025 Line of Credit May 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-03-402-014`

Property Details

APN / Parcel Number

Primary APN	`16-03-402-014`

Interior

Bedrooms	8 Beds
Full Baths	5.5 Baths
Half Baths	3 Half Baths
Plumbing Fixtures	20 Plumbing Fixtures
Stories	2 Stories
Building Area	10,616 sqft Living Area
Gross Area	15,903 sqft
1st Floor Area	4,740 sqft
2nd Floor Area	5,876 sqft
Upper Floors Area	5,876 sqft
Basement Area	3,991 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	105,955 sqft (2.43 acres)
Garage Type	Attached
Garage Area	1,296 sqft
Parking Spaces	5 Parking Spaces
Pool Area	800 sqft
Porch	Open Porch
Porch Area	247 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	663 CIRCLE LN
City	LAKE FOREST
State	IL
Zip	60045-3375
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 2 ROBERT W KENDLERS VILLA TURICUM SUB LOT 150
Legal Subdivision	UNIT 2 ROBERT W KENDLERS VILLA TURICUM S
Legal Lot Number	150
Legal Unit	2
Jurisdiction	LAKE IL
Township / Civil Division	MORAINE
Census Block Group	1
Census Block	1014
Census Tract	865000

Owner

663 Circle Ln is held in a trust since January 2025.

Source: Lake County records, as of July 30, 2026

Owner of Record	2 Trust Names on File
Mailing Address	4800 N HARLEM AVE, HARWOOD HEIGHTS, IL 60706-3506
Owner Type	Company
Vesting	Trust

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
Aug 25, 2025	Deed of Trust, Mortgage · Line of Credit PARKWAY BANK & TRUST CO
May 29, 2019	Deed of Trust, Mortgage · ARM BMO HARRIS BANK NA
Nov 23, 2020	Warranty Deed, Transfer · Conventional Mortgage BMO HARRIS BANK NA
Dec 3, 2018	Intrafamily Transfer, Transfer · ARM BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2025 · Amount on File
Deed Sale	Jan 13, 2025 · Amount on File
Prior Sale	Nov 23, 2020 · Amount on File
Deed Document Number	20258076979
Prior Transfer Date	Nov 15, 2018
Prior Transfer Doc	0007529121
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	663 CIRCLE LN, LAKE FOREST, IL 60045-3375
Transaction Type	Mortgage
Record Updated	Oct 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008117011
Date	Aug 25, 2025
Instrument	8117011

Lender

Name	PARKWAY BANK & TRUST CO
Type	Bank
Address	HARWOOD HEIGHTS, IL 60706

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAKE IL
Property Address	663 CIRCLE LN, LAKE FOREST, IL 60045-3375
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007564935
Date	May 29, 2019
Instrument	7564935

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jun 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	8.25%

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAKE IL
Recording Date	Nov 23, 2020
Property Address	663 CIRCLE LN, LAKE FOREST, IL 60045-3375
Document Number	0007719640
Map Reference	DOC 1370261
Instrument Date	Oct 19, 2020
Instrument	7719640
Transaction Type	Transfer
Record Updated	Mar 17, 2022
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,699.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	663 CIRCLE LN, LAKE FOREST, IL 60045-3375

Mortgage

Document Number	0007719641
Date	Nov 23, 2020
Instrument	7719641

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

December 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAKE IL
Recording Date	Dec 3, 2018
Property Address	663 CIRCLE LN, LAKE FOREST, IL 60045-3375
Document Number	0007529121
Map Reference	DOC48639
Instrument Date	Nov 15, 2018
Instrument	7529121
Transaction Type	Transfer
Record Updated	Mar 17, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	663 CIRCLE LN, LAKE FOREST, IL 60045-3375

Mortgage

Document Number	0007529122
Date	Dec 3, 2018
Instrument	7529122

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Dec 1, 2023
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.87%
Index	1-Year LIBOR
Max Rate	8.87%

Mortgage

Document Number	0007529123
Date	Dec 3, 2018
Instrument	7529123

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Nov 20, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.08%
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Lake County
County Subdivision	Moraine 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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$2,313,609 Land $1,259,791 Building $1,053,818	$6,941,521 Land $3,779,751 Building $3,161,770
2024	$130,085.00 (+56.73%)
2023	$83,001.00 (+5.41%)	$1,966,117 (+41.92%) Land $1,070,577 Building $895,540	$5,898,941 (+41.92%) Land $3,212,052 Building $2,686,889
2022	$78,741.00	$1,385,331 Land $1,176,088 Building $209,243	$4,156,409 Land $3,528,617 Building $627,792

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 663 Circle Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	8 in force
Nearby Flood Claims	2 (2008–2010)
Claims Outside the SFHA	2 of 2
Most Recent Claim	May 2010 · 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

Wildfire risk around 663 Circle Ln 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Circle Ln

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