Lake County property record for 686 Timber Ln, Lake Forest, IL 60045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,396 sqft · built 1958 |
| Lot Size | 0.482 acres (21,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $11,802 (2024) |
| Deeds & Mortgages | Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-04-406-032 |
| Primary APN | 16-04-406-032 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,396 sqft Living Area |
| Gross Area | 3,488 sqft |
| 1st Floor Area | 2,396 sqft |
| Basement Area | 612 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 21,000 sqft (0.482 acres) |
| Lot Dimensions | 200 ft deep x 105 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 686 TIMBER LN |
|---|---|
| City | LAKE FOREST |
| State | IL |
| Zip | 60045-3118 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHISPERING OAKS UNIT 4 LOT 51 |
| Legal Subdivision | WHISPERING OAKS UNIT 4 |
| Legal Lot Number | 51 |
| Legal Unit | 4 |
| Jurisdiction | LAKE IL |
| Township / Civil Division | WEST DEERFIELD |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 864602 |
686 Timber Ln is owned and occupied by two individuals.
Source: Lake County records, as of July 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 686 TIMBER LN, LAKE FOREST, IL 60045-3118 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LAKE IL |
| Property Address | 686 TIMBER LN, LAKE FOREST, IL 60045-3118 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0007627829 |
|---|---|
| Date | Jan 24, 2020 |
| Instrument | 7627829 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2050 |
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 | $227,370 Land $110,304 Building $117,066 | $682,178 Land $330,945 Building $351,233 | |
| 2024 | $11,802.00 (-0.25%) | ||
| 2023 | $11,831.00 (+5.84%) | $190,955 (-6.01%) Land $96,163 Building $94,792 | $572,922 (-6.01%) Land $288,518 Building $284,404 |
| 2022 | $11,178.00 | $203,165 Land $99,353 Building $103,812 | $609,556 Land $298,089 Building $311,467 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 686 Timber Ln in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1978.
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 File 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.
Wildfire risk around 686 Timber 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 97% of the US · lower than 79% 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 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 |
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